利率市场化对我国中小企业融资的影响

发布时间：2018-01-22 13:48

  本文关键词： 利率市场化 中小企业 融资　出处：《天津财经大学》2014年硕士论文　论文类型：学位论文

【摘要】：在过去的几十年中,国有经济一直是我国实体经济的中坚力量,在国民经济中占据重要地位。随着改革开放,民营资本开始萌发,极大地丰富了我国经济结构的组成。中小企业近年来取得了快速发展,逐渐成为影响我国未来经济发展的新生力量,但受我国经济制度、融资市场、金融机构决策意向等因素的影响,中小企业一直面临着融资困难的现状,这一困境成为了制约其发展壮大的瓶颈,中小企业融资难问题亟待解决。另一方面,我国经济自改革开放以来取得了举世瞩目的发展,以实体经济为基础的具有中国特色的社会主义金融体系也在不断地完善与深化。随着市场经济逐步深入发展,利率市场化成为了金融体制改革的重要一环,其发展已进入了最后阶段,由此引发的连锁效应必将反哺我国实体经济中的参与者。利率市场化进程的不断推进也使得银行面临的经营环境不可避免地发生了改变,这促使银行为了维持自身发展加快转型的步伐,传统的经营理念与经营模式必将发生改变。银行市场化经营程度的加深,为解决中小企业融资难的现实问题带来了曙光。本文首先分析了利率决定理论和企业融资决策,剖析造成中小企业融资难的深层原因。其次,阐述了我国利率市场化发展的历程和发展阶段,提出利率市场化对中小企业带来的有利影响和不利影响,点明了在这一金融深化过程中机遇与挑战并存,并通过案例加以佐证。最后,从提高资信等级、提高财务管理水平、扩宽融资渠道等方面,提出在利率市场化背景下,中小企业如何进行融资的建议。本文的创新之处在于将利率市场化与中小企业融资难问题相结合,对于在利率市场化条件下,中小企业如何抓住机遇,应对不利因素,从而解决融资问题进行探讨并提出解决方案。
[Abstract]:In the past few decades, the state-owned economy has been the backbone of the real economy in China, and occupies an important position in the national economy. With the reform and opening up, private capital began to germinate. In recent years, small and medium-sized enterprises (SMEs) have made rapid development, and gradually become a new force affecting the future economic development of our country, but by our economic system, the financing market. Because of the influence of the decision intention of financial institutions, SMEs have been faced with the current situation of financing difficulties, which has become the bottleneck restricting their development and growth. On the other hand, the financing difficulties of SMEs need to be solved. Since the reform and opening to the outside world, China's economy has achieved remarkable development, and the socialist financial system with Chinese characteristics based on the real economy has been continuously improved and deepened. Interest rate marketization has become an important part of the financial system reform, and its development has entered the final stage. The chain effect will feed the participants in the real economy of our country. The continuous promotion of interest rate marketization also makes the operating environment that the banks are faced with has inevitably changed. In order to maintain their own development and accelerate the pace of transformation, the traditional business philosophy and business model will be changed and the degree of marketization of banks will be deepened. In order to solve the practical problems of SMEs financing difficulties brought dawn. Firstly, this paper analyzes the theory of interest rate decision and enterprise financing decision, analyzes the deep causes of SMEs financing difficulties. Secondly. This paper expounds the course and stage of the development of interest rate marketization in our country, and puts forward the beneficial and negative effects of interest rate marketization on small and medium-sized enterprises, and points out that opportunities and challenges coexist in the process of financial deepening. Finally, in order to improve the credit rating, improve the level of financial management, broaden the financing channels and other aspects, put forward in the interest rate marketization background. The innovation of this paper is to combine the interest rate marketization with the financing difficulties of SMEs, and how to seize the opportunity for SMEs under the condition of interest rate marketization. To deal with adverse factors, so as to solve the financing problem and put forward solutions.
【学位授予单位】：天津财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F275;F276.3;F832.5

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