产业集群背景下中小企业融资问题及其对策研究

发布时间：2018-05-27 06:02

本文选题：中小企业 + 产业集群　；参考：《江西财经大学》2017年硕士论文

【摘要】：中小企业在我国国民经济中占据重要位置,它可以促进技术创新,拉动生产内需,从而带动就业率的上升,一些大企业在中小企业的促成下也将进一步获得发展空间。另外,在政府财政方面,中小企业的发展无疑将带来更多的财政收入。因此,中小企业的发展在市场经济的发展中起了积极的催化作用,对我国的经济发展起到不可或缺的推动作用。然而,资金供给链却远远不能满足中小企业的需求,融资难、融资贵的问题是摆在全社会面前的一道难题。近年来,政府已然相继出台一系列有利于中小企业改革的政策,但是,中小企业融资难的问题仍然存在。究竟怎样才能从其根源上改善,使融资问题不再成为中小企业发展的最大阻碍,这是值得思考的问题。随着产业集群的形成和逐渐成熟,在一定程度上有效缓解了中小企业融资难题,但仍然未能从根本上得到解决。本文从产业集群背景下研究分析中小企业的融资现状,首先,从大环境上分析了我国中小企业融资现状,通过其所表现出来的困境延伸到湛江市中小企业融资现状,体现产业集群背景下中小企业的融资优势,并指出目前湛江市产业集群融资优势尚未充分发挥。其次,通过产业集群背景下中小企业的自身条件分析,中小企业自身生产规模小,经营能力差以及不完善的企业内部制度等构成了中小企业融资难的主要原因。另一方面,集群不合理的结构是当前中小企业产业集群最大的现实问题,融资成本高,融资渠道狭窄,融资体系不够完善,政府支持力度不够等等,都是企业外部融资环境存在的主要问题。通过太仓互助融资担保模式、湖南汨罗再生工业园两个成功案例分析,总结出其借鉴建议。从太仓案例分析,提出中小企业应实行产业集群企业会员制,联合具有一定规模实力,且经营状况良好的同行企业实行互助担保贷款模式,提高银行信贷效率。成立产业集群会员互助型担保公司,需要政府的政策支持。汨罗和太仓成功融资模式案例表明,任何一种融资创新都离不开政府和金融部门的有力支持,根据自身条件和政策环境巧妙地将相关部门各优势协调运用起来,相辅相成,将其优势最大化。本文针对当前产业集群背景下湛江中小企业的融资现状,提出几点对策建议:完善内部机制,提升集群内企业成员的融资信用度;完善集群结构,降低融资成本;发挥财政扶持资金的引导和杠杆作用,拓宽企业的融资渠道;加大政府支持力度,完善金融体系等。
[Abstract]:Small and medium-sized enterprises (SMEs) occupy an important position in our national economy, which can promote technological innovation, stimulate production domestic demand, and thus promote the increase of employment rate. Some large enterprises will also gain further development space under the promotion of small and medium-sized enterprises. In addition, in government finance, the development of small and medium-sized enterprises will undoubtedly bring more revenue. Therefore, the development of small and medium-sized enterprises plays an active catalytic role in the development of market economy and plays an indispensable role in promoting the economic development of our country. However, the supply chain of funds is far from meeting the demand of small and medium-sized enterprises. Financing is difficult and expensive financing is a difficult problem in front of the whole society. In recent years, the government has issued a series of policies in favor of SMEs reform, but the financing problem of SMEs still exists. It is worth thinking about how to improve the root of the problem so that the financing problem no longer becomes the biggest obstacle to the development of small and medium-sized enterprises. With the formation and maturity of industrial clusters, SMEs' financing problems have been effectively alleviated to a certain extent, but still can not be fundamentally solved. This paper studies and analyzes the financing status of SMEs from the background of industrial cluster. Firstly, it analyzes the financing status of SMEs in China from the general environment, and extends to the financing status of SMEs in Zhanjiang through its predicament. It reflects the financing advantage of SMEs under the background of industrial cluster, and points out that the financing advantage of Zhanjiang industrial cluster has not been brought into full play. Secondly, through the analysis of SMEs' own conditions under the background of industrial cluster, the main reasons for SMEs' difficulty in financing are small production scale, poor management ability and imperfect internal system. On the other hand, the unreasonable structure of the cluster is the biggest realistic problem of the industrial cluster of small and medium-sized enterprises at present. The financing cost is high, the financing channel is narrow, the financing system is not perfect, the government support is not enough and so on. Both are the main problems in the external financing environment of enterprises. Through Taicang mutual financing guarantee mode, Hunan Miluo Regeneration Industrial Park two successful cases analysis, summed up its reference suggestions. From the case analysis of Taicang, it is pointed out that small and medium-sized enterprises should implement the membership system of industrial cluster enterprises, and combine the peer enterprises with certain scale strength and good operating condition to implement mutual aid guarantee loan mode to improve the efficiency of bank credit. The establishment of industrial cluster member mutual support company, need government policy support. The successful financing model case of Miluo and Taicang shows that any kind of financing innovation can not be achieved without the support of the government and the financial sector. According to their own conditions and policy environment, the various advantages of the relevant departments are skillfully used to coordinate and complement each other. Maximize its advantages. In view of the current financing situation of small and medium-sized enterprises in Zhanjiang under the background of industrial cluster, this paper puts forward several countermeasures and suggestions: perfecting the internal mechanism, enhancing the financing credit degree of the enterprise members in the cluster, perfecting the structure of the cluster and reducing the financing cost; Give full play to the guidance and leverage of financial support funds, broaden the financing channels of enterprises, increase government support and improve the financial system.
【学位授予单位】：江西财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F276.3;F275

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