小微企业融资与民间金融规范化研究

发布时间：2018-01-01 21:34

本文关键词：小微企业融资与民间金融规范化研究　出处：《河南师范大学》2014年硕士论文　论文类型：学位论文

【摘要】：长期以来，小微企业在我国经济发展中起着非常重要的作用，但是小微企业却并未得到与之地位相匹配的政策扶持和金融支持。“两难两多”(小微企业多，融资难；民间资本多，监管难)一直在中国存在着且愈演愈烈。尽管近几年尤其是从2011年政府、银行等各方加大了对小微企业的扶持和关注，但是3年过去了，却收效甚微，小微企业融资难的困境并未得到根本有效的缓解，通过银行等正规渠道得到的资金仍然不能满足小微企业的资金需求；而民间金融以其独特的优势在很大程度上缓解了小微企业融资难题，但是由于民间金融是体制外金融形式，民间金融处于尴尬的境地，因而，民间金融的规范化极为迫切，而且，民间金融的规范化发展也离不开与小微企业的共同努力。因此，我们需要各方共同努力采取措施以鼓励更多的民间资本为小微企业融资提供更优质的服务，以缓解小微企业的融资问题，，同时，我们也要采取措施促进民间金融的规范化发展，因为现存的民间金融形式存在很多问题，而且还有大量的民间资本的能量并未完全释放出来，因此民间金融的规范化也具有非常重要的意义。本论文立意于破解小微企业的融资困境并逐步实现民间金融的规范发展，通过对我国小微企业融资的现状及造成现状原因、民间金融对小微企业融资和发展的作用以及国际经验的借鉴的总结和分析，从小微企业自身的体系的完善、政府支持政策的设立和民间金融的发展方面提出了建议和措施。目前大多数的研究是将小微企业与民间金融分开进行的，一般主要是单独分析小微企业融资难的原因及措施建议，或者是单独阐述民间金融存在的问题及正规化发展的问题，而缺乏将其联系起来的研究，本文把民间金融与小微企业融资一起研究，而且本文还把民间金融作为解决小微企业融资难题的重要途径进行分析，并通过借鉴国外的经验，提出了改善小微企业融资状况和发展民间金融的措施和建议，这具有非常重要的理论意义和实践价值。本文共从六个章节进行论述和分析，并分为三个层次，第一层次：提出问题，包括第一章和第二章，主要是绪论及我国小微企业融资难现状及原因分析。第二层次：分析问题，包括第三章和第四章，主要分析我国民间金融的现状及作用,并探讨了民间金融在小微企业融资中所起的作用，通过总结分析国际发展经验及结合我国国情，提出了建设适合我国发展实际的民间金融发展方向。第三层次：解决问题，包括第五章和第六章，第五章主要从小微企业自身完善和民间金融的发展方面提出了发展路径和政策建议，第六章对本文的研究内容进行了简要总结。
[Abstract]:For a long time, small and micro enterprises have played a very important role in the economic development of our country, but they have not received the policy support and financial support corresponding to their status. Financing is difficult; Although in recent years, especially since 2011, the government, banks and other parties have increased their support and attention to small and micro enterprises, but three years have passed. However, there is little effect, the plight of financing difficulties of small and micro enterprises has not been effectively alleviated, and the funds obtained through formal channels such as banks still can not meet the capital needs of small and micro enterprises; Private finance, with its unique advantages, to a large extent alleviates the financing problem of small and micro enterprises, but private finance is in an awkward situation because it is a form of financial outside the system. The standardization of folk finance is very urgent, and the development of folk finance is inseparable from the joint efforts of small and micro enterprises. We need to work together to encourage more private capital to provide better services to finance small and micro enterprises in order to alleviate the financing problems of small and micro enterprises, and at the same time. We should also take measures to promote the standardized development of private finance, because there are many problems in the existing forms of private finance, and a large number of private capital energy has not been fully released. Therefore, the standardization of private finance is also of great significance. This paper intends to solve the financing dilemma of small and micro enterprises and gradually realize the standardized development of private finance. Through the summary and analysis of the current situation and causes of financing of small and micro enterprises in China, the role of folk finance in the financing and development of small and micro enterprises and the reference of international experience, we can improve the system of small and micro enterprises. The establishment of government support policy and the development of private finance put forward suggestions and measures. At present, the majority of the research is to separate small and micro enterprises from private finance, generally it is mainly to analyze the reasons and measures of financing difficulties of small and micro enterprises separately. Or is a separate elaboration of the problems of private finance and the regularization of the development of the problem, but the lack of a link to the study, this paper will study the private finance and small and micro enterprise financing together. And this paper also takes private finance as an important way to solve the financing problems of small and micro enterprises, and through the experience of foreign countries, puts forward the measures and suggestions to improve the financing situation of small and micro enterprises and to develop private finance. This is of great theoretical significance and practical value. This paper is discussed and analyzed from six chapters, and is divided into three levels, the first level: raising questions, including the first chapter and the second chapter. The second level: analysis of the problems, including chapter III and chapter 4th, mainly analyzes the current situation and role of private finance in China. It also discusses the role of private finance in the financing of small and micro enterprises, through summing up and analyzing the international development experience and combining with the national conditions of our country. The third level: solving problems, including 5th chapters and 6th chapters. Chapter 5th mainly puts forward the development path and policy suggestions from the aspects of the perfection of small and micro enterprises and the development of private finance. Chapter 6th summarizes the research contents of this paper.
【学位授予单位】：河南师范大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F275;F276.3;F832

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