民间金融在中小企业融资中的作用研究

发布时间：2018-03-17 01:12

本文选题：民间金融　切入点：中小企业　出处：《江西师范大学》2014年硕士论文　论文类型：学位论文

【摘要】：随着我国经济体制改革的逐年深入，以中小企业为代表的非公有制经济在我国整个国民经济中越来越占据着重要的地位，也逐渐成为我国经济发展的主要推动力。中小企业在我国国民经济和社会发展中的重要地位和作用也受到了社会各界的广泛认同，并引起了各级政府的高度重视。世界各国的经验表明，中小企业发展所面临的一个普遍的、关键的制约因素就是融资难。鉴于我国中小企业融资的特殊性和自身信用的缺失，使得中小企业从商业银行为主的正规金融机构获取资金的支持有限，难以满足自身对融资的需求。近几年我国民间金融快速扩张，其闲置资本日益壮大，这就可以为中小企业融资提供一定的资金支持。除此之外，，民间金融资金借贷活动的特点与中小企业融资的特征相似，这可以减少中小企业融资的成本。民间金融还拥有一个重要的优势---可以减少中小企业在融资信用方面的约束，这个优势可以在很大程度上缓解中小企业的融资问题。因此，从资金的供求关系、资金活动特点和信用等各方面来分析，民间金融与中小企业都有很大互适性，基于此，建议利用民间金融的优势，引导民间资本支持中小企业发展，缓解其融资困境，争取达到中小企业和民间金融双赢的局面。本文的研究主要是从两个层面分析，第一个层面是通过分析目前我国中小企业融资困境的现状，剖析造成中小企业融资困境的原因。在这个层面上，文章综合了国内一些学者的论点，提出中小企业融资困境形成的主要原因是中小企业的信用不足，当然，还有信息不对称和融资成本高等原因。第二个层面是在分析民间金融特点的基础上，对我国民间金融在中小企业中的作用进行了分析，并因此针对中小企业融资困境提出了一些可行性的建议。在这个层面上，首先对民间金融的范畴进行了界定，然后从理论和实践两个角度去探讨民间金融在中小企业融资的作用，通过分析最后得出结论。除此之外，本文还对有关企业融资结构的理论、关于我国中小企业范畴的界定和中小企业资金需求特点等阐述，文中有的部分分析还结合了一些党和国家的方针政策，诸如关于民间银行的试点问题和市场在资源配置中起决定性作用等。希望通过这些研究，可以为缓解我国中小企业融资困境提供某些具体的帮助。
[Abstract]:With the deepening of China's economic system reform year by year, the non-public economy, represented by small and medium-sized enterprises, is playing a more and more important role in the whole national economy of our country. The important position and role of small and medium-sized enterprises in the national economy and social development of our country have also been widely recognized by all walks of life. The experience of various countries shows that the difficulty of financing is a common and key constraint to the development of small and medium-sized enterprises. In view of the particularity of financing and the lack of credit of SMEs in our country, As a result, small and medium-sized enterprises have limited support for obtaining funds from formal financial institutions dominated by commercial banks, and it is difficult to meet their own needs for financing. In recent years, China's private finance has expanded rapidly, and its idle capital has grown stronger and stronger. This can provide certain financial support for SME financing. In addition, the characteristics of private financial capital lending activities are similar to those of SMEs. This can reduce the cost of SME financing. Private finance also has an important advantage-- it can reduce the financing credit constraints of SMEs, which can greatly alleviate the financing problems of SMEs. Based on the analysis of the relationship between supply and demand of funds, characteristics of capital activities and credit, non-governmental finance and small and medium-sized enterprises have great mutual adaptability. Based on this, it is suggested to use the advantages of private finance to guide private capital to support the development of small and medium-sized enterprises. Ease its financing dilemma and strive to achieve a win-win situation for small and medium-sized enterprises and private finance. The research of this paper is mainly from two levels, the first level is to analyze the current situation of financing difficulties of SMEs in China, to analyze the causes of the financing difficulties of SMEs. This paper synthesizes the arguments of some domestic scholars, and points out that the main reason for the financing dilemma of SMEs is the lack of credit of SMEs. Of course, On the basis of analyzing the characteristics of private finance, this paper analyzes the role of private finance in small and medium-sized enterprises. Therefore, some feasible suggestions are put forward in view of the financing dilemma of small and medium-sized enterprises. At this level, the scope of private finance is first defined. Then from the theoretical and practical perspectives to explore the role of private finance in the financing of small and medium-sized enterprises, through the analysis of the final conclusion. In addition, this paper also related to the theory of corporate financing structure, As to the definition of the category of small and medium-sized enterprises in China and the characteristics of their capital needs, some of the analysis in this paper also combines the principles and policies of the Party and the state. It is hoped that, through these studies, we can provide some concrete help to alleviate the financing difficulties of small and medium-sized enterprises in our country, such as the pilot problems of private banks and the decisive role of the market in the allocation of resources.
【学位授予单位】：江西师范大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F276.3;F832.4

【参考文献】