淮安市中小企业融资困境与对策研究
发布时间：2018-11-10 14:14
【摘要】：改革开放以来,中小企业为促进江苏省经济社会发展发挥了十分重要的作用。淮安市地处苏北,近年来中小企业的力量也不断壮大,中小企业数量占比超过全市企业总数的90%。但是,中小企业融资难问题一直是制约其发展的瓶颈。如何更好地解决中小企业融资难问题?本文试图通过对中小企业和金融机构双方都做出客观分析,由此揭示中小企业融资难问题产生的多方面原因。本文的难点在于对企业融资外部环境的分析以及地方政府在中小企业融资中的作用分析,通过采用调查问卷、实地走访、座谈交流等方式获得大量的数据资料,进而深入分析,最终从政府、金融机构及企业自身三方面提出了一些针对性的建议,认为破解中小企业融资难问题的主要对策为:一是企业方面要加强自身经营能力及信用水平建设,二是金融机构开展营销战略及服务创新,三是地方政府加强产业结构调整、强化金融建设力度、提高金融服务水平。
[Abstract]:Since the reform and opening up, small and medium-sized enterprises have played a very important role in promoting the economic and social development of Jiangsu Province. Huaian City is located in northern Jiangsu Province. In recent years, the strength of small and medium-sized enterprises has been growing, accounting for more than 90 percent of the total number of enterprises in the city. However, the financing problem of small and medium-sized enterprises has been a bottleneck restricting its development. How to better solve the financing difficulties of SMEs? Through the objective analysis of both SMEs and financial institutions, this paper attempts to reveal the various reasons for the financing difficulties of SMEs. The difficulty of this paper lies in the analysis of the external environment of enterprise financing and the role of local government in the financing of small and medium-sized enterprises. Through the use of questionnaires, field visits, discussion exchanges and other means to obtain a large number of data, and then in-depth analysis. Finally, from the government, financial institutions and enterprises themselves, put forward some targeted suggestions, think that the main countermeasures to solve the financing difficulties of small and medium-sized enterprises are: first, enterprises should strengthen their own management ability and credit level construction. Second, financial institutions should carry out marketing strategy and service innovation, and third, local governments should strengthen the adjustment of industrial structure, strengthen financial construction and improve the level of financial services.
【学位授予单位】：南京工业大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F275;F276.3
本文编号：2322688
[Abstract]:Since the reform and opening up, small and medium-sized enterprises have played a very important role in promoting the economic and social development of Jiangsu Province. Huaian City is located in northern Jiangsu Province. In recent years, the strength of small and medium-sized enterprises has been growing, accounting for more than 90 percent of the total number of enterprises in the city. However, the financing problem of small and medium-sized enterprises has been a bottleneck restricting its development. How to better solve the financing difficulties of SMEs? Through the objective analysis of both SMEs and financial institutions, this paper attempts to reveal the various reasons for the financing difficulties of SMEs. The difficulty of this paper lies in the analysis of the external environment of enterprise financing and the role of local government in the financing of small and medium-sized enterprises. Through the use of questionnaires, field visits, discussion exchanges and other means to obtain a large number of data, and then in-depth analysis. Finally, from the government, financial institutions and enterprises themselves, put forward some targeted suggestions, think that the main countermeasures to solve the financing difficulties of small and medium-sized enterprises are: first, enterprises should strengthen their own management ability and credit level construction. Second, financial institutions should carry out marketing strategy and service innovation, and third, local governments should strengthen the adjustment of industrial structure, strengthen financial construction and improve the level of financial services.
【学位授予单位】：南京工业大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F275;F276.3
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