我国县域金融服务中小企业的能力提升研究

发布时间：2018-09-01 18:18

【摘要】：县域经济是我国国民经济的基础,而县域经济的主体是县域中小企业。县域中小企业的发展离不开良好的金融环境和高效的金融支持。近年来由于多种原因,我国县域金融在为中小企业提供服务时遇到了很多来自自身和外界环境的难题,这在一定程度上制约着县域中小企业的发展壮大,也阻碍了县域金融服务本身的提升。如何解决这些问题,提升县域金融服务水平,以更好地促进中小企业的发展,是这篇文章探讨的问题。论文在分析了中外学者有关金融支持与经济增长的相关文献的基础上,结合我国县域金融服务中小企业的供求现状,深入剖析了我国县域金融服务存在的问题及其原因。并利用VAR模型,分析了晋城市县域金融服务对中小企业发展的作用。之后,运用归纳演绎的方法总结了美国、日本和德国金融服务对中小企业的支持经验。本文借鉴了国外金融服务支持中小企业发展的经验,结合了我国县域金融服务的实际情况,有针对性的提出了县域金融服务从机构创新、产品创新、业务创新和外部环境建设等路径提升自身能力,支持县域中小企业发展的支持策略。这些策略主要包括：从机构创新角度讲,要明确身份地位、加大扶持引导、提升服务能力；从产品创新层面来讲,要完善金融产品供给结构、改善支付结算方式；在业务创新方面,要建立中小企业信用担保机构、大力发展中小企业保险业务；在外部环境建设方面,要培育良好的信用环境、健全法制环境建设。
[Abstract]:County economy is the foundation of our national economy, and the main body of county economy is county small and medium-sized enterprises. The development of small and medium-sized enterprises in county is inseparable from good financial environment and efficient financial support. In recent years, for various reasons, the county finance in our country has encountered a lot of difficulties from its own and external environment when providing services to small and medium-sized enterprises, which to a certain extent restricts the development and growth of small and medium-sized enterprises in the county area. It also hinders the promotion of the county financial service itself. How to solve these problems, to improve the level of financial services in the county, in order to better promote the development of small and medium-sized enterprises, is discussed in this article. On the basis of analyzing the relevant literature of Chinese and foreign scholars on financial support and economic growth, combined with the present situation of supply and demand of small and medium-sized enterprises in county financial service, the paper deeply analyzes the existing problems and reasons of financial service in county area of our country. Using VAR model, this paper analyzes the function of financial services in Jincheng county to the development of small and medium-sized enterprises. After that, the paper summarizes the experience of financial services in support of SMEs in America, Japan and Germany by inductive and deductive methods. This paper draws lessons from the experience of foreign financial services supporting the development of small and medium-sized enterprises, combines the actual situation of our country's county financial services, and puts forward the county financial services from institutional innovation, product innovation, Business innovation and external environment construction to enhance their own ability to support the development of small and medium-sized enterprises in the county support strategy. These strategies mainly include: from the perspective of institutional innovation, we should clarify the status of identity, increase support and guidance, enhance the ability of service, improve the supply structure of financial products and improve the payment and settlement methods from the aspect of product innovation. In terms of business innovation, it is necessary to establish credit guarantee institutions for small and medium-sized enterprises and to vigorously develop the insurance business of small and medium-sized enterprises, and to foster a good credit environment and perfect the legal environment in the construction of external environment.
【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】：F832.4;F276.3

【参考文献】