我国中小企业融资渠道创新研究
发布时间：2018-10-09 18:33
【摘要】： 在当今各国经济与社会发展中，中小企业发挥着巨大的作用。在我国，改革开放以来，虽然以中小企业为主体的非国有经济快速增长，但由于当时中国经济长期保持较快的增长势头，中小企业的发展问题一直没有得到社会各界的足够关注。20世纪80年代以来，随着国内外经济环境的变化和我国经济改革的深入，中小企业的一些重要功能，如充当经济引擎，创造就业机会以及技术创新等开始为中国各界所认可。作为市场经济中最具活力的一个企业群体，中小企业的发展也成为事关中国经济全局的一个焦点。在中小企业发展所面临的众多问题中，融资问题首当其冲。尽管我国政府出台了一系列支持、促进中小企业融资的政策和法规，这些政策法规也取得了一定的效果，但由于中小企业融资问题的解决是一个复杂的系统工程，各项工作还处于起步和探索阶段，中国中小企业的融资“瓶颈”问题依旧十分严重。 本文通过广泛搜集国内外报刊、书籍、杂志及互联网的有关资料，从中小企业存在的重要意义出发，研究了中小企业融资的相关理论，对我国中小企业融资状况进行了分析，并借鉴其他国家的成功经验和做法，结合我国的实际情况，提出解决我国中小企业融资难问题的对策。通过比较各种金融机构对中小企业融资的优劣势和各自的风险偏好，本文认为较合理和可行的市场定位是，重点发展地方民营金融机构，为中小企业服务。在鼓励融资渠道创新方面，推广海外上市经验，加快建设我国中小企业板市场。在健全融资组织体系方面，建立和完善商业银行的相应服务机构，，建立完善的、多层次的资本市场体系和中小企业信用担保体系。
[Abstract]:In the current economic and social development of countries, small and medium-sized enterprises play a huge role. In our country, since the reform and opening up, although the non-state-owned economy with small and medium-sized enterprises as the main body has grown rapidly, but the Chinese economy at that time maintained a relatively fast growth momentum for a long time. The development of small and medium-sized enterprises has not received enough attention from all walks of life. Since the 1980s, with the changes of economic environment at home and abroad and the deepening of China's economic reform, some important functions of small and medium-sized enterprises, such as acting as economic engines, Job creation and technological innovation began to be recognized by all walks of life in China. As the most dynamic group of enterprises in the market economy, the development of small and medium-sized enterprises has become a focus of the overall situation of China's economy. In the development of small and medium-sized enterprises facing many problems, financing problems bear the brunt. Although our government has issued a series of policies and regulations to promote the financing of small and medium-sized enterprises, these policies and regulations have also achieved certain results. However, the solution to the financing problems of SMEs is a complex system engineering. All kinds of work are still at the beginning and exploring stage, the financing bottleneck of Chinese small and medium-sized enterprises is still very serious. Based on the extensive collection of domestic and foreign newspapers, books, magazines and Internet information, this paper studies the relevant theory of SME financing from the important significance of the existence of SMEs, and analyzes the financing situation of SMEs in China. Based on the successful experiences and practices of other countries and the actual situation of our country, this paper puts forward some countermeasures to solve the problem of financing difficulties of small and medium-sized enterprises in our country. By comparing the advantages and disadvantages of various financial institutions to the financing of small and medium-sized enterprises and their respective risk preferences, this paper holds that the more reasonable and feasible market orientation is to focus on the development of local private financial institutions to serve small and medium-sized enterprises. In the aspect of encouraging the innovation of financing channel, popularizing overseas listing experience and speeding up the construction of Chinese SME board market. In the aspect of perfecting the financing organization system, we should establish and perfect the corresponding service organizations of the commercial banks, establish the perfect and multi-level capital market system and the credit guarantee system of the small and medium-sized enterprises.
【学位授予单位】：西安电子科技大学
【学位级别】：硕士
【学位授予年份】：2006
【分类号】：F275
本文编号：2260351
[Abstract]:In the current economic and social development of countries, small and medium-sized enterprises play a huge role. In our country, since the reform and opening up, although the non-state-owned economy with small and medium-sized enterprises as the main body has grown rapidly, but the Chinese economy at that time maintained a relatively fast growth momentum for a long time. The development of small and medium-sized enterprises has not received enough attention from all walks of life. Since the 1980s, with the changes of economic environment at home and abroad and the deepening of China's economic reform, some important functions of small and medium-sized enterprises, such as acting as economic engines, Job creation and technological innovation began to be recognized by all walks of life in China. As the most dynamic group of enterprises in the market economy, the development of small and medium-sized enterprises has become a focus of the overall situation of China's economy. In the development of small and medium-sized enterprises facing many problems, financing problems bear the brunt. Although our government has issued a series of policies and regulations to promote the financing of small and medium-sized enterprises, these policies and regulations have also achieved certain results. However, the solution to the financing problems of SMEs is a complex system engineering. All kinds of work are still at the beginning and exploring stage, the financing bottleneck of Chinese small and medium-sized enterprises is still very serious. Based on the extensive collection of domestic and foreign newspapers, books, magazines and Internet information, this paper studies the relevant theory of SME financing from the important significance of the existence of SMEs, and analyzes the financing situation of SMEs in China. Based on the successful experiences and practices of other countries and the actual situation of our country, this paper puts forward some countermeasures to solve the problem of financing difficulties of small and medium-sized enterprises in our country. By comparing the advantages and disadvantages of various financial institutions to the financing of small and medium-sized enterprises and their respective risk preferences, this paper holds that the more reasonable and feasible market orientation is to focus on the development of local private financial institutions to serve small and medium-sized enterprises. In the aspect of encouraging the innovation of financing channel, popularizing overseas listing experience and speeding up the construction of Chinese SME board market. In the aspect of perfecting the financing organization system, we should establish and perfect the corresponding service organizations of the commercial banks, establish the perfect and multi-level capital market system and the credit guarantee system of the small and medium-sized enterprises.
【学位授予单位】：西安电子科技大学
【学位级别】：硕士
【学位授予年份】：2006
【分类号】：F275
【引证文献】
相关期刊论文 前1条
1 谭小芳;;中国中小企业融资新渠道探究[J];经济与管理;2008年09期
相关硕士学位论文 前1条
1 冯丹丽;NG银行四川分行中小企业融资业务发展探析[D];西南财经大学;2010年
本文编号：2260351
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