产业集群下湖南A钢贸企业融资问题研究
发布时间：2018-10-31 16:02
【摘要】：中小企业融资难是当前我国社会一个十分普遍的现象，也是目前的现实困难问题。中小企业融资难，钢贸企业融资更难。只有解决这一问题才能保证中小企业健康有序的发展。而产业集群可以让中小企业获得很多特有的优势，这一点尤其体现在融资方面。产业集群通常在政府的相关支持下积极打造融资平台，注重同商业银行建立良好的合作关系。与中小企业的单打独斗不同，集群内往往具有信息透明度高、信用承诺好、交易成本低廉等特点，这就使得企业更加容易从商业银行得到贷款，并获得政府的持续支持。即产业集群下融资平台的建设有可能有效解决中小企业融资难的问题，尤其对融资渠道单一、融资期限短的钢贸企业有效。湖南省在长沙大托建立了钢铁物流产业集群，并依托该产业集群为解决钢贸企业融资难问题进行了多方的尝试，但是解决湖南中小型钢贸企业融资难问题仍然任重道远，在这样的背景下，基于产业集群的视角来探讨如何解决中小型钢贸企业的融资问题，具有重要的现实意义。 本文从产业集群和企业融资的基础理论出发，结合原有的中小企业融资难问题，，全面分析了产业集群下融资问题的形成原因，以及产业集群下中小企业融资所存在的问题及其所具有的优势。结合钢铁贸易产业集群这一特殊行业，通过集群下的湖南A钢贸企业这一具体案例，深入剖析了钢铁贸易产业集群内中小企业融资的运作模式，揭示了在融资实践中所存在的许多问题，例如信息不对称问题、外部环境缺陷和内部建设等问题。然后从产业集群和企业融资的相关理论出发，结合湖南钢铁贸易产业集群的发展现状，提出了解决湖南A钢贸企业融资问题的意见和建议，这些意见和建议包括大力发展行业性担保公司，发挥融资集群效应，规范融资决策的计划和实施等等，这对解决我国产业集群下中小企业的融资问题也具有良好的启示作用。
[Abstract]:The financing difficulty of small and medium-sized enterprises is a very common phenomenon in our society at present, and it is also a difficult problem in reality at present. Small and medium-sized enterprise financing is difficult, steel trade enterprise financing is more difficult. Only to solve this problem can we ensure the healthy and orderly development of small and medium-sized enterprises. Industrial clusters can give small and medium-sized enterprises a lot of unique advantages, which is especially reflected in financing. Industrial clusters usually actively build financing platform with the support of the government, and focus on establishing good cooperative relationship with commercial banks. Different from the small and medium-sized enterprises, the cluster often has the characteristics of high transparency of information, good credit commitment and low transaction cost, which makes it easier for enterprises to get loans from commercial banks and to obtain sustained support from the government. That is, the construction of financing platform under industrial cluster may effectively solve the problem of financing difficulties for SMEs, especially for steel trade enterprises with single financing channel and short financing period. Hunan Province established the iron and steel logistics industry cluster in Changsha Dato, and relied on the industrial cluster to solve the financing difficulties of steel trade enterprises. However, there is still a long way to go to solve the financing difficulties of small and medium-sized steel trade enterprises in Hunan. Under this background, it is of great practical significance to discuss how to solve the financing problem of medium and small steel trade enterprises based on the perspective of industrial cluster. Based on the basic theory of industrial cluster and enterprise financing, this paper analyzes the forming reasons of financing problem under industrial cluster, combining with the original financing difficulty of small and medium-sized enterprises. And the problems and advantages of SME financing under industrial cluster. Combined with the special industry of iron and steel trade industry cluster, through the concrete case of Hunan A steel trade enterprise under the cluster, this paper deeply analyzes the operation mode of small and medium-sized enterprises financing in the iron and steel trade industry cluster. It reveals many problems in financing practice, such as information asymmetry, external environment defects and internal construction. Then, based on the related theories of industrial cluster and enterprise financing, combined with the present situation of Hunan iron and steel trade industry cluster, the paper puts forward some suggestions and suggestions to solve the financing problem of Hunan A steel trade enterprise. These suggestions include vigorously developing industry guarantee companies, exerting the effect of financing cluster, standardizing the plan and implementation of financing decision, and so on, which has a good enlightening effect to solve the financing problem of small and medium-sized enterprises under the industrial cluster of our country.
【学位授予单位】：湖南大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F275;F426.3
本文编号：2302795
[Abstract]:The financing difficulty of small and medium-sized enterprises is a very common phenomenon in our society at present, and it is also a difficult problem in reality at present. Small and medium-sized enterprise financing is difficult, steel trade enterprise financing is more difficult. Only to solve this problem can we ensure the healthy and orderly development of small and medium-sized enterprises. Industrial clusters can give small and medium-sized enterprises a lot of unique advantages, which is especially reflected in financing. Industrial clusters usually actively build financing platform with the support of the government, and focus on establishing good cooperative relationship with commercial banks. Different from the small and medium-sized enterprises, the cluster often has the characteristics of high transparency of information, good credit commitment and low transaction cost, which makes it easier for enterprises to get loans from commercial banks and to obtain sustained support from the government. That is, the construction of financing platform under industrial cluster may effectively solve the problem of financing difficulties for SMEs, especially for steel trade enterprises with single financing channel and short financing period. Hunan Province established the iron and steel logistics industry cluster in Changsha Dato, and relied on the industrial cluster to solve the financing difficulties of steel trade enterprises. However, there is still a long way to go to solve the financing difficulties of small and medium-sized steel trade enterprises in Hunan. Under this background, it is of great practical significance to discuss how to solve the financing problem of medium and small steel trade enterprises based on the perspective of industrial cluster. Based on the basic theory of industrial cluster and enterprise financing, this paper analyzes the forming reasons of financing problem under industrial cluster, combining with the original financing difficulty of small and medium-sized enterprises. And the problems and advantages of SME financing under industrial cluster. Combined with the special industry of iron and steel trade industry cluster, through the concrete case of Hunan A steel trade enterprise under the cluster, this paper deeply analyzes the operation mode of small and medium-sized enterprises financing in the iron and steel trade industry cluster. It reveals many problems in financing practice, such as information asymmetry, external environment defects and internal construction. Then, based on the related theories of industrial cluster and enterprise financing, combined with the present situation of Hunan iron and steel trade industry cluster, the paper puts forward some suggestions and suggestions to solve the financing problem of Hunan A steel trade enterprise. These suggestions include vigorously developing industry guarantee companies, exerting the effect of financing cluster, standardizing the plan and implementation of financing decision, and so on, which has a good enlightening effect to solve the financing problem of small and medium-sized enterprises under the industrial cluster of our country.
【学位授予单位】：湖南大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F275;F426.3
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