商业银行融资小微企业的困境与现实选择

发布时间：2018-03-29 03:16

本文选题：商业银行　切入点：小微企业　出处：《云南大学》2014年硕士论文

【摘要】：伴随着改革开放进程的逐步推进,包括个体私营等在内的非公有制经济30多年来获得了迅猛发展,他们已经成为社会主义市场经济中的中坚力量。然而,需要特别指出的是目前我国众多小微企业仍然在生死线上徘徊,而融资困难是制约小微企业发展的主要因素之一。如果无法有效解决小微企业融资困难这一问题,必将对我国市场经济的健康稳定发展带来不利影响。另外,从商业银行自身经营角度来看,基于当前金融“脱媒”的大环境下,包括国有企业和大型企业等在内的国内优质企业的议价能力也得到了大幅提升,在筹集外部资金过程中,会有更多的融资渠道可供这些优质企业选择,即使他们采取银行融资方式来筹资资金,迫于激烈的金融市场竞争压力,银行为吸引这些优质企业也会竞相杀价,从而使自身的利润空间进一步缩小。相对而言,商业银行在小微企业贷款方面则具有较高的议价能力,因此其利润空间也相对较大。本文立足于商业银行角度出发,围绕小微企业融资难的背景及意义进行了探讨,提出了小微企业融资难的相关问题,并从小微企业自身、银行以及政府这三个角度对小微企业融资困难的原因进行了系统梳理与探讨,进而找出融资难的根源和化解之策。以期待对于小微企业融资及商业银行发展具有一定的积极作用。
[Abstract]:With the progress of reform and opening up, the non-public economy, including the private and individual, has been developing rapidly for more than 30 years, and they have become the backbone of the socialist market economy. It should be pointed out in particular that at present, many small and micro enterprises in our country are still hovering on the line of life and death, and financing difficulties are one of the main factors restricting the development of small and micro enterprises. If the problem of financing difficulties of small and micro enterprises cannot be effectively solved, In addition, from the point of view of commercial banks' own management, based on the current financial "disintermediation" environment, The bargaining power of high-quality domestic enterprises, including state-owned enterprises and large enterprises, has also been greatly enhanced. In the process of raising external funds, there will be more financing channels for these high-quality enterprises to choose from. Even if they resort to bank financing to raise funds, banks, under intense competition in the financial markets, will compete to attract these quality companies, thereby further narrowing their profit margins. Commercial banks have higher bargaining power in small and micro-enterprise loans, so their profit margins are relatively large. Based on the perspective of commercial banks, this paper discusses the background and significance of the financing difficulties of small and micro enterprises, puts forward the related problems of financing difficulties of small and micro enterprises, and the small and micro enterprises themselves. From these three angles, the banks and the government have systematically combed and discussed the causes of the financing difficulties of small and micro enterprises. Then find out the root of the financing difficulties and the countermeasures to look forward to the financing of small and micro enterprises and the development of commercial banks have a certain positive role.
【学位授予单位】：云南大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4;F276.3;F275

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