我国影子银行发展对中小企业融资的影响研究

发布时间：2018-03-26 21:21

本文选题：影子银行　切入点：中小企业融资　出处：《山东大学》2014年硕士论文

【摘要】：改革开放以来,中小企业(small and medium-sizes enterprises, SMEs)迅速成为拉动我国国民经济增长的重要引擎,推动我国经济社会的快速发展。当前,我国的中小企业数量占全国企业总量的99%,GDP贡献率高达70%,税收贡献率超过50%,同时解决了城镇80%的劳动力就业问题。然而,在全球金融危机不断蔓延,我国通货膨胀率持续攀升的形势下,中小企业运营过程中所得到的金融支持明显滞后,难以满足中小企业发展需要,融资困难、融资成本过高等问题始终阻碍着中小企业的快速发展。与此同时,我国的社会融资结构和融资环境却在不断变化,大量的社会“闲散”资金“游离”于正规银行业体系之外,形成不同形式的影子银行,影子银行凭借其独特的创新性、优越性和灵活性,通过多样化的渠道和方式的融资平台纷纷进入社会实体经济,对于满足中小企业的融资需求起到了一定作用。迅猛发展的影子银行为中小企业融资提供了新的解决方式。本文首先对影子银行、中小企业及中小企业融资的概念及相关基础理论进行了说明。其次,介绍了我国影子银行的发展现状,对影子银行对我国中小企业融资的影响进行了分析,并指出影子银行在中小企业融资中存在的问题。再次,本文以影子银行对大连SS贸易公司的融资为案例,做实证分析。最后,提出相应的完善影子银行对中小企业融资的对策建议。
[Abstract]:Since the reform and opening up, small and medium-sizes enterprises (SMEs) have rapidly become an important engine to stimulate the growth of our national economy and promote the rapid development of our country's economy and society. The number of small and medium-sized enterprises in China accounts for as much as 70% of the total GDP of enterprises in the country, and the tax contribution rate exceeds 50%. At the same time, it solves the employment problem of 80% of the labor force in cities and towns. However, in the global financial crisis, it continues to spread. Under the situation of rising inflation rate in China, the financial support received by small and medium-sized enterprises in the course of operation is obviously lagging behind, and it is difficult to meet the development needs of small and medium-sized enterprises and to meet the financing difficulties. High financing costs and other problems have always hindered the rapid development of small and medium-sized enterprises. At the same time, the social financing structure and financing environment of our country are constantly changing, a large number of social "idle" funds "free" outside the formal banking system, forming different forms of shadow banking. With its unique innovation, superiority and flexibility, shadow banking has entered the social real economy one after another through a variety of channels and ways of financing platforms. It has played a certain role in meeting the financing needs of small and medium-sized enterprises. The rapid development of shadow banking has provided a new solution for the financing of small and medium-sized enterprises. This paper first explains the concepts and basic theories of shadow banking, small and medium-sized enterprises and SME financing. Secondly, it introduces the present situation of shadow banking in China. This paper analyzes the influence of shadow banking on the financing of small and medium-sized enterprises in China, and points out the problems existing in the financing of small and medium-sized enterprises. Thirdly, this paper takes the shadow bank's financing of Dalian SS Trading Company as an example. Finally, the author puts forward the corresponding countermeasures and suggestions to improve the shadow bank financing for small and medium-sized enterprises.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.39;F276.3

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