基于利率市场化的小微企业融资研究

发布时间：2018-06-16 13:07

本文选题：利率市场化 + 小微企业　；参考：《安徽财经大学》2014年硕士论文

【摘要】：利率机制在金融体制中的位置举足轻重,我国长时间的利率管制政策,严重制约了经济的发展,放松利率管制,实现利率市场化已成为不可避免的趋势。中国人民银行于2013年7月20日宣布停止贷款利率的管制,对票据利率取消管制,开放农信社贷款利率上限,个人住房贷款利率的浮动区间不变。这些信息表明,中国金融改革将再一次开启。本文力图为利率市场化条件下优化我国小微企业的融资行为提供一些有益的研究成果。小微企业是经济和社会稳定发展的主要力量,但其所获得的金融资源匮乏也是多年来存在的不争事实。本文将利率市场化改革融入小微企业融资问题。首先介绍我国对小微企业的最新界定,结合数据说明小微企业在我国经济社会发展中起到的重要作用,并针对我国小微企业所面临的贷款难,资源不足等问题,分析其产生的原因。其次以美日两国的案例说明利率市场化改革对美日两国小微企业融资的影响,结合我国过去金融抑制环境给小微企业融资造成的阻碍,从利率、商业银行、融资格局、保险四个方面详细分析利率市场化条件给我国小微企业融资所带来的机遇。然后,选取浙江万盛机械有限公司融资、招商银行金融创新缓解小微企业融资困难以及阿里巴巴资产证券化这三个案例具体阐述利率市场化改革过程中我国金融市场融资环境发生的变化及其对融资所产生的影响。本文最后在理论分析的基础上,借鉴国际同行的先进理念,结合我国现阶段实际,对利率市场化下的小微企业融资提出了相应的意见。
[Abstract]:The interest rate mechanism plays an important role in the financial system. The long-term interest rate control policy in our country has seriously restricted the economic development, relaxed the interest rate control, and realized the interest rate marketization has become the inevitable trend. On July 20, 2013, the people's Bank of China announced that it would stop the control of loan interest rates, deregulate the interest rates on paper, open the upper limit of the interest rates of rural credit cooperatives, and keep the floating range of interest rates on individual housing loans. These messages suggest that China's financial reform will start again. This paper tries to provide some useful research results for optimizing the financing behavior of small and micro enterprises in China under the condition of interest rate marketization. Small and micro enterprises are the main force for the stable development of economy and society, but the lack of financial resources obtained by them is an indisputable fact for many years. This article will interest rate marketization reform into the small and micro enterprise financing problem. First of all, it introduces the latest definition of small and micro enterprises in our country, explains the important role that small and micro enterprises play in the economic and social development of our country, and aims at the problems of loan difficulties and insufficient resources faced by small and micro enterprises in our country. Analyze the causes of its occurrence. Secondly, the cases of the United States and Japan illustrate the impact of the interest rate market-oriented reform on the financing of small and micro enterprises in the United States and Japan. Combining with the obstacles caused by our country's past financial repression environment to the financing of small and micro enterprises, from the interest rate, the commercial banks, the financing pattern, Four aspects of insurance detailed analysis of interest rate marketization conditions for small and micro enterprises financing opportunities. Then, select Zhejiang Wansheng Machinery Co., Ltd. financing, China Merchants Bank financial innovation to alleviate the financing difficulties of small and micro enterprises and Alibaba asset securitization in the process of interest rate market-oriented reform of the financial environment in China's financial market changes and its impact on financing. Finally, on the basis of theoretical analysis, with reference to the advanced ideas of international counterparts and the reality of our country at the present stage, this paper puts forward corresponding opinions on the financing of small and micro enterprises under the marketization of interest rate.
【学位授予单位】：安徽财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4;F276.3

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