民间借贷资本对接SME融资市场的模式和制度分析

发布时间：2019-06-06 09:45

【摘要】：中小企业作为我国经济发展的重要力量,近年来发展势头迅猛。但中小企业融资需求长期仍得不到满足,阻碍了中小企业的发展。而近年来持续扩张的民间借贷资本规模,恰好满足了中小企业的融资诉求,并逐渐成为我国中小企业融资的重要渠道之一。但民间借贷在为中小企业发展提供融资支持的同时,蕴藏着一定的风险。本文以民间借贷资本与中小企业的对接模式为出发点,寻求建立多层次、有秩序、多方位的对接模式,具有一定的现实意义。本文通过对我国中小企业融资和民间借贷的现状分析为切入点,寻找我国中小企业和民间借贷存在的制度问题。然后运用SWOT分析和可行性分析方法得出我国民间借贷发展前景广阔,并对中小企业融资产生积极影响。同时运用比较分析法借鉴美国、日本以及温州的经验和教训。在此基础上结合我国国情,进行对接思路设计,建立多层次、有秩序、多方位的对接模式和相关制度建设。研究表明,民间借贷的法律地位定性难以及中小企业融资结构单一目前仍是阻碍民间借贷与中小企业发展的问题根源;民间借贷在弥补中小企业在正规借贷市场信贷缺口以及促进中小企业发展方面有着天然的优越性和切实的可行性;中小企业应根据企业自身所处生命周期的不同阶段,差异化选择相适应的融资模式;多层次对接模式的实现离不开相关配套法律支撑、政府金融部门的引导和监督。重点探讨了对接的纵向与横向两大维度的可行模式,包括三个方向的纵向模式和四个阶段的横向模式,以及与对接模式相适应的制度安排。
[Abstract]:As an important force of economic development in China, small and medium-sized enterprises (SMEs) have developed rapidly in recent years. However, the financing demand of small and medium-sized enterprises is still unmet for a long time, which hinders the development of small and medium-sized enterprises. In recent years, the scale of private lending capital has just met the financing demands of small and medium-sized enterprises, and has gradually become one of the important channels of financing for small and medium-sized enterprises in China. However, private lending not only provides financing support for the development of small and medium-sized enterprises, but also contains certain risks. This paper takes the docking mode of private loan capital and small and medium-sized enterprises as the starting point, and seeks to establish a multi-level, orderly and multi-directional docking model, which has certain practical significance. Based on the analysis of the present situation of financing and private lending of small and medium-sized enterprises in China, this paper looks for the institutional problems of small and medium-sized enterprises and private lending in China. Then using SWOT analysis and feasibility analysis methods, it is concluded that the development prospect of private lending in China is broad, and has a positive impact on the financing of small and medium-sized enterprises. At the same time, the comparative analysis method is used to draw lessons from the experiences and lessons of the United States, Japan and Wenzhou. On this basis, combined with the national conditions of our country, carry on the docking train of thought design, establish the multi-level, orderly, multi-directional docking mode and related system construction. The research shows that the difficulty of defining the legal status of private lending and the single financing structure of small and medium-sized enterprises are still the root causes of the problems that hinder the development of private lending and small and medium-sized enterprises. Private lending has natural advantages and practical feasibility in filling the credit gap of small and medium-sized enterprises in the formal lending market and promoting the development of small and medium-sized enterprises. Small and medium-sized enterprises should choose the suitable financing mode according to the different stages of the life cycle of the enterprise themselves, and the realization of the multi-level docking mode can not be separated from the relevant supporting legal support, the guidance and supervision of the government financial department. This paper focuses on the feasible models of the longitudinal and horizontal dimensions of docking, including the longitudinal model in three directions and the horizontal mode in four stages, as well as the institutional arrangements suitable for the docking mode.
【学位授予单位】：湖北工业大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F276.3;F832.4

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