以M企业为核心的小微企业融资生态圈研究

发布时间：2018-03-07 19:16

本文选题：小微企业　切入点：融资生态圈　出处：《昆明理工大学》2017年硕士论文　论文类型：学位论文

【摘要】：近年来互联网金融的发展,为我国金融行业注入了新的生命力,在一定程度上解决了小微企业融资难的问题。信贷平台的发展使得信贷模式呈现多元化,但其安全性也引起了社会的广泛关注。自2008年至今,我国小微融资企业迅猛发展。在一定程度上有效的解决了小微企业的融资困难,但是由于国内监管政策、宏观经济环境以及小额贷款公司自身市场定位等原因,其面临着资金不足、筹资融资困难等问题。仅2015年1月到3月期间,全国出现问题的信贷平台就有160余家,这极大的扰乱了信贷市场的秩序,严重损害了企业的利益。而一些小微企业为了获取必需资金,甚至不惜向民间的信贷机构借贷,高额利息支出使得小微企业经营雪上加霜。如何在现有的金融市场环境下,营造一个健康、安全绿色生态的信贷平台来保障小微企业的合法权益,这是目前社会关注的焦点问题,也是学术界研究的热点问题。本文从企业融资理论出发,对小微企业融资的金融学、管理学进行理论基础性分析;以小微企业融资作为研究对象,结合目前小微企业融资现状,通过制度环境、核心企业的选择、融资生态圈的关系网和价值网建立及融资生态圈运行的良性机制等途径,构建以M公司为核心的小微企业融资生态圈,通过机制设计解决小微企业的融资难题,促进小微企业的健康发展,同时也为我国小微金融机构的发展方向提供一定的参考。
[Abstract]:In recent years, the development of Internet finance has injected new vitality into the financial industry of our country, and to some extent has solved the problem of financing difficulty of small and micro enterprises. Since 2008, the small and micro financing enterprises in China have developed rapidly. To some extent, it has effectively solved the financing difficulties of small and micro enterprises, but due to the domestic regulatory policy, The macroeconomic environment and the market positioning of microfinance companies face problems such as insufficient funds and difficulties in raising funds. Between January 2015 and March alone, there were more than 160 credit platforms with problems across the country. This has greatly disrupted the order of the credit market and seriously damaged the interests of enterprises. In order to obtain the necessary funds, some small and micro enterprises even did not hesitate to borrow from private credit institutions. High interest payments make small and micro businesses worse off. How to create a healthy, safe and green ecological credit platform to protect the legitimate rights and interests of small and micro enterprises in the existing financial market environment, This is the focus of the current social concern, but also a hot issue of academic research. This paper, based on the theory of corporate financing, makes a theoretical analysis of finance and management of small and micro enterprises. Taking the financing of small and micro enterprises as the research object, combining with the current situation of financing of small and micro enterprises, through the institutional environment, the choice of core enterprises, the relationship network and value network of the financing ecological circle and the benign mechanism of the operation of the financing ecosystem, etc. In order to promote the healthy development of small and micro enterprises, this paper constructs a small and micro enterprise financing ecological circle with M company as the core, solves the financing problem of small and micro enterprises through mechanism design, and also provides some references for the development direction of small and micro financial institutions in China.
【学位授予单位】：昆明理工大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4;F276.3

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