金融危机背景下内蒙古中小企业融资困境问题研究

发布时间：2018-07-29 08:33

【摘要】：自2008年以来，由于美国金融产品以及一系列金融衍生品泡沫引发了危机整个国际金融市场的金融海啸，全球经济急速衰退。基于此背景下，我国经济受到了前所未有的影响。近几年来，中小企业在我国地位之关键开始显露，受到了各界的关注，它的发展牵动着中国经济的神经线。因为中小企业的活力不仅关系到该地区的经济活力，而且还与整个社会的繁荣和谐稳定息息相关。尽管此前受到金融危机的影响，但是在政府的大力支持下，在社会各方机构的配合下，很快中小企业有了较大的发展。改革开放30多年以来，内蒙古中小企业有了高效的发展，已经一举跃为内蒙古自治区经济发展的中流砥柱，对内蒙古地区的经济发展具有无人可敌的贡献。但是现阶段，由于中小企业自己、金融机构以及政府机关等各方面的原因，融资难已经成为中小企业发展过程中的主要障碍。那么关于内蒙古自治区中小企业融资困难原因解析方面的理论研究也不计其数，如：中小企业自身的原因，现有的银行管理体制不合理，政府对中小企业的融资支持强度不够，中小企业融资信贷担保机构不完善，还有当下资本市场对中小企业的排斥等各种原因。解决融资难问题，对内蒙古自治区的经济发展有很大的促进作用，并且还能积极维护社会安定。那么到底中小企业该如何才能摆脱当前的融资困境，我们根据内蒙古中小企业自身的融资情况找到答案。基于对内蒙古自治区中小企业的分析，以及对内蒙古自治区的融资问题状况的研究，提出有关改进内蒙古中小企业融资状况的意见建议，有以下几点：从企业自身出发，中小企业应该在提高自身经营管理水平的基础下，，更要注重其内部融资，以此提升自己的资本累积能力，为融资创造有利条件。从银行等信贷机构方面出发，要开展金融产品的创新，提高银行等信贷金融机构对内蒙古中小企业融资的有效支持，在此过程中对其信用机制进行完善，大力培养中小金融机构的发展。从政府支持中小企业融资方面出发，加强对其的财政补贴及投融资支持，完善对其的融资政策法规建设，加强对民间资本借贷的规范和管理。文章通过对内蒙古中小企业融资问题的原因进行分析研究，发现了一些解决融资难为题的规律，提出了一些解决融资问题的个人见解和意见，希望对解决融资问题有所帮助。本文的不足之处在于本文的不足之处主要在于对内蒙古自治区中小企业融资现状、成因和对策的实证分析尚不充分,有待于在今后的研究中进一步完善和深化。
[Abstract]:Since 2008, the global economy has slumped as U.S. financial products and a series of financial derivatives bubbles triggered a financial tsunami that threatened the entire international financial market. Based on this background, China's economy has been unprecedented impact. In recent years, the key to the status of small and medium-sized enterprises in China has begun to show, has received attention from all walks of life, its development affects the Chinese economy. Because the vitality of small and medium-sized enterprises is not only related to the economic vitality of the region, but also closely related to the prosperity, harmony and stability of the whole society. Although previously affected by the financial crisis, but with the strong support of the government, with the cooperation of various social organizations, small and medium-sized enterprises have developed rapidly. Since the reform and opening up for more than 30 years, the small and medium-sized enterprises in Inner Mongolia have developed efficiently, and have become the mainstay of the economic development of Inner Mongolia Autonomous region, and have made no enemy contribution to the economic development of Inner Mongolia. However, at present, due to the reasons of SMEs themselves, financial institutions and government agencies, the difficulty of financing has become the main obstacle in the development of SMEs. Well, there are countless theoretical studies on the causes of financing difficulties for small and medium-sized enterprises in Inner Mongolia Autonomous region. For example, the reasons for SMEs themselves, the unreasonable banking management system and the insufficient intensity of government financing support for small and medium-sized enterprises. SMEs financing credit guarantee institutions are not perfect, and the current capital market exclusion of SMEs and other reasons. Solving the problem of financing can promote the economic development of Inner Mongolia Autonomous region and actively maintain social stability. So how can small and medium-sized enterprises get rid of the current financing dilemma, we find out the answer according to the financing situation of Inner Mongolia SMEs. Based on the analysis of the small and medium-sized enterprises in Inner Mongolia Autonomous region and the research on the financing problems of the Inner Mongolia Autonomous region, this paper puts forward some suggestions for improving the financing situation of the small and medium-sized enterprises in Inner Mongolia. There are the following points: starting from the enterprises themselves, On the basis of improving their management level, small and medium-sized enterprises should pay more attention to their internal financing so as to enhance their capital accumulation ability and create favorable conditions for financing. From the perspective of banks and other credit institutions, it is necessary to carry out innovations in financial products, improve the effective support of banks and other credit financial institutions to the financing of small and medium-sized enterprises in Inner Mongolia, and improve their credit mechanisms in the process. We will vigorously train the development of small and medium-sized financial institutions. In order to support the financing of small and medium-sized enterprises, the government should strengthen its financial subsidy and investment and financing support, perfect the construction of its financing policies and regulations, and strengthen the regulation and management of private capital borrowing. Based on the analysis of the causes of the financing problems of small and medium-sized enterprises in Inner Mongolia, this paper finds out some rules of solving the financing problems, and puts forward some personal opinions and opinions on how to solve the financing problems, hoping to be helpful to solve the financing problems. The deficiency of this paper is that the present situation of financing of small and medium-sized enterprises in Inner Mongolia Autonomous region, the causes and countermeasures of empirical analysis is not sufficient, and need to be further improved and deepened in the future research.
【学位授予单位】：内蒙古师范大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4;F276.3

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