双鸭山市小微农业企业融资难问题及对策研究

发布时间：2018-01-14 23:00

本文关键词：双鸭山市小微农业企业融资难问题及对策研究　出处：《东北农业大学》2014年硕士论文　论文类型：学位论文

【摘要】：由于小微企业数量众多,发展水平与经营能力参差不齐,主要表现在管理思想陈旧和手段单一上,制约了其自身的发展。尤其是在农业企业当中,小微农业企业占据了绝大多数,其发展关系到农业现代化的实现。然而小微农业企业的发展缓慢,除管理方面的缺失外,还有另外一个重要的原因,就是融资方面存在困境,各商业银行及政策性银行贷款的对象主要是大型企业以及生产经营能力较强的中型企业,对于小微农业企业的金融市场准入门槛较高,其它融资渠道成本较高。即使中央多次出台政策扶持小微农业企业,但是由于其群体数量庞大、涉及面非常广泛,政策的具体落实和执行不够彻底,着力点不足,致使小微农业企业在融资方面出现融资难问题。我国小微企业尤其是小微农业企业普遍融资难,本文通过实地调查双鸭山市地区小微农业企业的融资难现状,来研究小微农业企业在融资方面存在的问题、原因及对策。本文以信贷配给理论、关系型贷款理论和信息不对称理论为基础,借鉴已有的研究成果,运用文献调查分析法和问卷调查法对双鸭山市小微农业企业进行了研究,总结双鸭山市小微农业企业发展现状,从融资渠道与方式、融资特征两个方面阐述双鸭山市小微农业企业融资现状,通过研究发现,双鸭山市小微农业企业存在着融资需求满足度不足、融资规模低、融资成本高以及融资结构不合理等融资难的问题,并从企业自身、担保环境及其他方面分析双鸭山市小微农业企业融资难的原因,从重构农村金融体系、提升小微农业企业的管理水平、保障融资渠道畅通以及完善信用评估体系和信用担保体系等四个方面提出了解决双鸭山市小微农业企业融资难的对策和建议。
[Abstract]:Because the number of Small and micro businesses large, uneven development level and management ability, mainly in the management of old ideas and means of a single, restrict their development. Especially in agricultural enterprises, small agricultural enterprises occupy the most, to achieve its development in relation to agricultural modernization. However, the development of small and micro enterprises in agriculture slowly, in addition to the lack of management, there is another important reason is the difficulties of financing, the commercial banks and policy banks lending mainly to large enterprises and production capability of medium-sized enterprises, small and micro enterprises for agricultural financial market access threshold is higher, the higher the cost of other financing even the central channel. Introduced several policies to support small and micro enterprises in agriculture, but because of the huge number of groups, covers a very wide range of policy implementation and implementation is not specific Thoroughly, focus, resulting in small agricultural enterprises in terms of financing financing difficult problem. China's Small and micro businesses especially small and micro enterprises generally agricultural financing, based on the field investigation of Shuangyashan City area small agricultural enterprises financing situation, to study the small and micro aspects existing in the financing of agricultural enterprises, reason and the countermeasures. This paper based on the theory of credit rationing, relationship lending theory and information asymmetry theory, based on the existing research results, using literature analysis and questionnaire survey in Shuangyashan City, small and micro enterprises into agricultural research, Shuangyashan small micro enterprise of agricultural development present situation, from the financing channels and methods, described Shuangyashan city agricultural small micro enterprise financing present situation two aspects of financing characteristics, through the study found that Shuangyashan small agricultural enterprises face the financing demand satisfaction is insufficient, the scale of financing Low, high cost of financing and financing structure unreasonable financing problem, and from the enterprise itself, cause analysis of Shuangyashan small micro enterprise financing guarantee of agricultural environment and other aspects, from the reconstruction of rural financial system, enhance the small and micro management level of agricultural enterprises, financing channels and improve the credit guarantee system and credit evaluation the guarantee system from four aspects such as Shuangyashan City, put forward to solve the financing difficulties of small and micro enterprises of agricultural countermeasures and suggestions.

【学位授予单位】：东北农业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F324;F832.43

【参考文献】