昆山农村商业银行对接中小企业融资市场的策略研究

发布时间：2018-09-07 17:16

【摘要】：中小企业是中国国民经济的重要组成部分,其发展好坏直接关系到国民经济全局,对于技术创新、产业升级、社会进步等都具有重大意义。改革开放以来,中国中小企业经历了一段蓬勃发展时期,在企业单位数、产业分布、组织结构及总规模上都取得了很大突破。但是,随着宏观经济形势的演变,尤其是国企改革、市场转型等一系列重大社会经济变化的发生,这给中小企业带来了巨大的融资需求。面对这种需求,特别是在当下国家货币政策偏紧,各金融机构银根紧缩的情况下各方面对中小企业的资金供给明显不足,由此引发了中小企业资金供求缺口,即融资难问题。因此,中小企业只能向小型金融机构申请贷款,小型金融机构具有一定的资金供给能力。昆山农村商业银行是2005年从信用社转制成立的一家地区性商业银行,作为一家小型的金融机构,它服务的核心对象为当地广大中小企业,如何有效的解决当地中小企业融资问题成为昆山农商行一个不容回避现实问题。本文首先对国内外关于中小企业的融资信息进行了梳理和总结,其次介绍了中小企业的融资相关理论,包括融资结构理论、融资渠道理论以及信息不对称的信贷配给理论。再次,对美国、日本、德国等发达国家中小企业融资的模式进行了分析,得出对我国中小企业融资的启示。最后着重分析了昆山农商行在中小企业融资中的问题和原因,对昆山农商行如何在中小企业的融资中发挥积极的作用,从政府、企业、银行等方面提出了全面、科学、有效的参考意见。这对于银行的经营、中小企业的发展、昆山市经济的腾飞都有一定的贡献。
[Abstract]:The development of small and medium-sized enterprises is an important part of China's national economy, and its development is directly related to the overall situation of the national economy. It is of great significance to technological innovation, industrial upgrading, social progress and so on. Since the reform and opening up, small and medium-sized enterprises in China have experienced a period of vigorous development. They have made great breakthroughs in the number of enterprises, industrial distribution, organizational structure and total scale. However, with the evolution of macroeconomic situation, especially the reform of state-owned enterprises, market transformation and a series of major social and economic changes, this has brought huge financing needs to small and medium-sized enterprises. In the face of this kind of demand, especially in the current state monetary policy is tight, the various aspects of financial institutions to the situation of tight money supply to small and medium-sized enterprises is obviously insufficient, which leads to the supply and demand gap of small and medium-sized enterprises, that is, the problem of financing difficulties. Therefore, small and medium-sized enterprises can only apply for loans to small financial institutions, small financial institutions have a certain amount of capital supply capacity. As a small financial institution, Kunshan Rural Commercial Bank is a regional commercial bank established from credit cooperative in 2005. As a small financial institution, its core service target is local small and medium-sized enterprises. How to effectively solve the financing problem of local small and medium-sized enterprises has become an unavoidable and realistic problem for Kunshan agribusiness. This paper firstly summarizes the financing information of SMEs at home and abroad, and then introduces the financing theories of SMEs, including financing structure theory, financing channel theory and credit rationing theory with asymmetric information. Thirdly, this paper analyzes the financing mode of SMEs in developed countries, such as America, Japan, Germany and so on. Finally, the paper analyzes the problems and reasons of Kunshan agribusiness bank in the financing of small and medium-sized enterprises, and puts forward a comprehensive and scientific view on how to play an active role in the financing of small and medium-sized enterprises from the government, enterprises, banks and so on. Effective reference. This for the management of banks, the development of small and medium-sized enterprises, Kunshan City's economic take-off have a certain contribution.
【学位授予单位】：南京农业大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.33;F275

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