影子银行对中小企业融资影响研究

发布时间：2018-06-08 14:57

本文选题：影子银行 + 中小企业　；参考：《天津财经大学》2014年硕士论文

【摘要】：随着金融体制改革不断深化,金融创新产品不断涌现,影子银行应运而生,不同学者都从自己的理解出发对影子银行进行了定义,本文作者根据查阅的文献,结合自身理解采取的说法如下：影子银行是传统意义金融机构的补充衍化形式,是一种金融中介服务机构。具备信用、期限和流动性转化作用,较少或者不受监管机构监管,具备杠杆化和期限错配的特征,在国内主要表现形式有：商业银行表外理财、银信合作形式、民间金融、非银行融资租赁和典当行等。融资难问题一直是困扰中小企业发展的一大难题,中小企业对我国经济发展做出了较大贡献,怎样合理解决中小企业融资难问题也是近几年来政府关注的焦点,并制订了一系列的政策对中小企业进行扶持。中小企业因为财务信息制度不健全,信用等级不高等问题,在向银行等正规金融机构贷款时,面临较多限制。影子银行的发展给中小企业融资带来新的思路,怎样利用影子银行资金发展中小企业并且寻求合理途径控制影子银行风险是本文的关注点。影子银行在一定程度上解决中小企业融资难问题的同时,其自身的一些缺陷和不合规之处,也使得中小企业融资面临不必要的风险,本文也将针对这一问题提出一些合理化建议,以期为金融市场规范化和中小企业持续稳定发展以及影子银行进一步走向合法和规范化起到一些推动作用。以往文献只就影子银行融资渠道进行单方面分析,本文在行文过程中,将利用一定篇幅介绍一下目前中小企业的传统融资渠道,并利用这些渠道的介绍引出影子银行的几种主要融资渠道。并在政策建议部分针对不同的影子银行形式在融资过程中存在的风险给出一些解决办法。
[Abstract]:With the deepening of the reform of the financial system and the emergence of financial innovation products, the shadow banks have come into being. Different scholars have defined the shadow banks from their own understanding. According to the literature reviewed by the author, the author takes the following statements in combination with their own understanding: the shadow bank is a supplementary form of the traditional financial institutions. It is a financial intermediary service organization. It has the function of credit, time limit and liquidity conversion, less or not regulated by the regulatory agency, and has the characteristics of leveraging and mismatch of time limit. The main forms in China are: off balance sheet financial management of commercial banks, cooperation form of silver letter, non-governmental finance, non bank financing lease and pawnbroker. It has been a big problem that plagued the development of small and medium-sized enterprises. Small and medium-sized enterprises have made great contributions to the economic development of our country. How to solve the problem of financing difficulties in small and medium-sized enterprises is the focus of the government in recent years, and a series of policies have been made to support the small and medium-sized enterprises. The problem of low grade is facing more restrictions when lending to regular financial institutions such as banks. The development of shadow banking brings new ideas to the financing of small and medium-sized enterprises. How to use the shadow bank funds to develop small and medium-sized enterprises and seek a reasonable way to control the risk of shadow banks is the focus of this article. The shadow bank solves a certain extent. At the same time, the financing difficulties of small and medium enterprises, some of their own defects and disagreements, also make small and medium-sized enterprises financing to face unnecessary risks. This paper will also put forward some rationalization proposals aimed at the standardization of the financial market and the sustainable and stable development of small and medium-sized enterprises and the further legal and regulatory of the shadow bank. The previous literature only analyzes the financing channels of shadow banks. In the course of this article, this paper will introduce the traditional financing channels of small and medium-sized enterprises by using a certain length, and draw out several main financing channels of shadow banking by introducing these channels. Different shadow banking forms give some solutions to the risks existing in the financing process.
【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;F832.3

【参考文献】