促进安徽小微企业发展的金融创新支持研究

发布时间：2018-06-18 00:06

本文选题：小微企业 + 融资　；参考：《安徽财经大学》2014年硕士论文

【摘要】：随着我国产业结构的不断调整、经济改革的不断深化,小微企业已成为我国国民经济运行中不可忽视的力量。小微企业在调整经济结构、转变经济增长方式、增加就业、创造税收、促进科技创新、扩大投资需求、缩短城乡差距等方面都发挥着极其重要的作用,成为经济的重要组成部分和经济增长的重要动力。本文首先通过对小微企业的融资结构理论、融资需求与供给理论进行分析,得出信息不对称等是小微企业融资难的一般原因。其次,通过调查安徽省小微企业金融供给与需求的实际情况,得出金融需求明显大于金融供给的结论,以此说明安徽省金融供求不平衡的关系。再次,一方面总结并评价安徽省已形成的“1+7”政策体系实施的现状及效果；另一方面选择小微企业发展较好的国家、和国内较为发达的省份以及小微企业发展状况与安徽省相近的省份作为比较与借鉴的对象。在比较的基础上,为我省利用金融创新支持小微企业发展提供有益的经验。然后,从地方金融机构与金融工具两方面对支持安徽省小微企业发展进行创新分析。促进大型商业银行创新信贷产品开发、创新服务的同时要积极发展城市商业银行、小额贷款公司和村镇银行等中小型金融机构。最后,对各级政府和相关金融机构提出完善法律保障体系；创建良好的地方金融发展环境,推进小微企业融资的金融改革创新；积极建立和完善小微企业信用担保体系；建立信用评级体系,加快建立健全征信系统；积极开拓小微企业融资的直接渠道；金融监管部门要对金融机构差异化监管；银行业金融机构要不断创新小微企业服务方式,提升金融服务水平和构建好信用担保机制与规范发展设备租赁的支持建议。
[Abstract]:With the constant adjustment of industrial structure and the deepening of economic reform, small and micro enterprises have become a force that can not be ignored in the operation of our national economy. Small and micro enterprises play an extremely important role in adjusting the economic structure, changing the mode of economic growth, increasing employment, creating taxes, promoting scientific and technological innovation, expanding investment demand, and narrowing the gap between urban and rural areas. To become an important part of the economy and an important driving force for economic growth. Firstly, through the analysis of financing structure theory, financing demand and supply theory of small and micro enterprises, it is concluded that asymmetric information is the general reason for financing difficulties of small and micro enterprises. Secondly, by investigating the actual situation of financial supply and demand of small and micro enterprises in Anhui Province, we draw the conclusion that the financial demand is obviously larger than the financial supply and demand, so as to explain the imbalance between financial supply and demand in Anhui Province. Thirdly, on the one hand, it summarizes and evaluates the present situation and effect of the implementation of the "17" policy system formed in Anhui Province; on the other hand, it selects the countries with better development of small and micro enterprises. Compared with the more developed provinces and the development of small and micro enterprises in Anhui province as the object of comparison and reference. On the basis of comparison, it provides useful experience for our province to use financial innovation to support the development of small and micro enterprises. Then, this paper analyzes the innovation of local financial institutions and financial instruments to support the development of small and micro enterprises in Anhui Province. To promote the development of innovative credit products for large commercial banks, we should actively develop small and medium-sized financial institutions such as urban commercial banks, small loan companies and village banks, as well as innovative services. Finally, to the governments and related financial institutions at all levels to improve the legal protection system, to create a good local financial development environment, to promote the financial reform and innovation of small and micro enterprises financing, to establish and improve the credit guarantee system of small and micro enterprises; Establish a credit rating system, speed up the establishment of a sound credit system; actively open up direct channels for financing small and micro enterprises; financial regulatory authorities should regulate the differentiation of financial institutions; banking institutions should constantly innovate the service mode of small and micro enterprises. To improve the level of financial services and build a good credit guarantee mechanism and standardize the development of equipment leasing support proposals.
【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】：F276.3;F275;F832.4

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