泉州中小型体育休闲用品生产企业融资困境研究

发布时间：2018-04-10 03:27

本文选题：中小企业　切入点：融资困境　出处：《福州大学》2014年硕士论文

【摘要】：中小企业已经成为促进我国经济发展和社会稳定的一支重要力量,但融资困境一直是制约我国中小企业发展的”瓶颈”。受全球金融危机的影响,中小企业融资困境再度成为我国经济发展中一个极为紧迫的问题。为了缓解中小企业的融资困难问题,银行也与政府部门合作,创新信贷模式、加大服务范围,加大了对中小企业的金融支持。为支持泉州中小体育休闲用品生产企业的发展,泉州地方政府在《福建省泉州市金融服务实体经济综合改革试验区总体方案》等地方方案的指导下,也积极制定和实施了一系列政策以缓解泉州中小体育休闲用品生产企业的融资困境困境。但是,如何在新形势下如何进一步解决泉州中小体育休闲用品生产企业的发展将极具理论和实践意义。首先,本文在提出问题部分,分析当前形势下泉州中小体育休闲用品生产企业融资困境问题的现状及当前形势的传统融资方式的局限性,进而提出论文研究主题、研究方法和研究思路,为全文的写作提供整体思路。第二部分是理论基础部分。这部分主要是包括体育休闲业、中小企业融资困境问题等理论研究现状,为本文理论分析的拓展和现实应用分析的展开提供理论基础。第三部分是分析问题部分。在这一部分,首先分析当前形势下泉州中小体育休闲用品生产企业融资困境现状并从理论和现实两个角度分析泉州中小体育休闲用品生产企业融资困境的现状,进而总结当前解决泉州中小体育休闲用品生产企业融资困境问题的主要思路,并在此基础上提出传统融资方式的局限性。第四部分是解决问题部分。结合泉州中小体育休闲用品生产企业融资困境问题的理论和现实原因,针对性地提出解决该问题的理论路径和现实路径,其中现实路径方面重点从政府、信贷机构以及企业自身三个维度重点分析。第五部分是利用问卷分析进一步探讨泉州中小体育休闲用品生产企业融资困境问题解决路径的可实践性,并对论文的相关观点进行总结和分析。总之,本文在对中小体育用品生产企业的融资困境问题的基本情况进行分析的基础上,利用信息不对称理论、信贷配给理论、信贷缺口理论、交易成本理论以及信用关系理论分析中小企业融资困境的理论根源,并从中小企业担保体系、政策法规以及金融体系等方面分析泉州中小体育休闲用品生产企业融资困境的现实原因。基于上述分析,本文进一步总结出泉州中小体育休闲用品生产企业融资困境的传统解决路径,具体来说主要包括基于信用担保理论的对策、基于融资优序和企业金融成长周期理论的对策、基于关系型贷款理论的对策以及基于供应链信贷和集群融资理论的对策。基于上述理论,政府、银行以及企业三方之间各司其职,并通过采取财政补贴、银行创新贷款、企业自身信用借款等成为泉州中小体育休闲用品生产企业的融资方式。然而,传统融资方式有其自身的限制和不足,尤其是在授信方式、融资对象以及担保方式等方面。接着,本文在对网络联保贷款基本情况予以介绍的基础上,分析网络联保贷款的理论根源,并利用比问卷分析法分析网络联保贷款相比于传统的融资方式的优势,从而论证其作为解决中小企业融资困境问题的有效性,为泉州中小体育休闲用品生产企业解决融资困境问题提供了一定的解决思路。
[Abstract]:The small and medium-sized enterprises have become the promotion of China's economic development and social stability of an important force, but the financing difficulty has been restricting the development of SMEs "bottleneck". Affected by the global financial crisis, the financing difficulties of small and medium-sized enterprises once again China's economic development has become an extremely urgent problem. In order to alleviate the financing difficulties the problem of small and medium enterprises, the bank is also working with government departments, credit innovation, increase the scope of services, increase financial support for small and medium-sized enterprises. To support the development of SMEs in Quanzhou sports leisure products production enterprises, the local government of Quanzhou in "comprehensive reform in Quanzhou city of Fujian Province Economic and financial services in the real test area overall plan > local scheme under the guidance of, also actively develop and implement a series of policies to alleviate the financing difficulties of SMEs dilemma of Quanzhou sports leisure products production enterprises. However, in the new How to solve the situation further development of Quanzhou small and medium-sized sports leisure products production enterprises will be of great theoretical and practical significance. Firstly, this paper put forward problems in part, limitations of the status of financing difficulties of SMEs in Quanzhou sports leisure products production enterprises under the current situation and the current situation of the traditional mode of financing, and puts forward the research theme, research methods and research ideas, provide the whole idea of the whole paper. The second part is the theoretical basis. This part mainly includes the sports leisure industry, research status of small and medium enterprises financing difficulties, and provide a theoretical basis for the development of the theoretical analysis and practical analysis. The third part is the analysis of problems in this part. Part first analyzes the status quo of the financing difficulties of SMEs in Quanzhou sports leisure products production enterprises under current situation and from the theoretical and practical two The status quo analysis of the plight of Quanzhou small and medium-sized sports leisure products production enterprises financing angle, then summarizes the main ideas of the solution to the plight of SMEs in Quanzhou sports leisure products production enterprises financing problems, and puts forward the limitations of the traditional mode of financing. The fourth part is to resolve the problem. Combined with the dilemma of Quanzhou sports leisure products production of small and medium-sized enterprise financing problems the theoretical and practical reasons, puts forward the theoretical and practical path to solve the problem of path, which focuses on the practical path of government, credit institutions and enterprises to focus on the analysis of the three dimensions. The fifth part is to further explore the Quanzhou small and medium-sized sports leisure products production enterprises financing difficulties problem solving path can be practical by questionnaire and analysis. To view the thesis are summarized and analyzed in this paper. In short, for small and medium-sized sports goods production enterprises Based on the analysis of the basic situation of the financing problems in the industry, the use of information asymmetry theory, credit rationing theory, credit gap theory, transaction cost theory and the theory origin of credit relationship theory to analyze the financing difficulties of SMEs, and from the small and medium-sized enterprise guarantee system, the realistic reason analysis of the plight of SMEs in Quanzhou sports leisure products production enterprises financing policy and financial system. Based on the above analysis, this paper further summarizes the traditional path to solve the dilemma of Quanzhou small and medium-sized sports leisure products production enterprises, specifically including the Countermeasures of credit guarantee based on the theory of pecking order and financial growth cycle theory based on the countermeasures, countermeasures based on relationship lending theory and based on Strategy of supply chain credit and cluster financing theory. Based on the above theory, the government, banks and enterprises of the three party Among their duties, and through financial subsidies, bank innovation loan, enterprise credit loan has become the Quanzhou small and medium-sized sports leisure products production enterprises financing. However, the traditional mode of financing has its own limitations and shortcomings, especially in credit mode, financing object and the way of security. Then, this paper introduced the basic in the basic situation of the loan network security, analyzes theoretical basis for network guaranteed loans, and the loan compared to the traditional network analysis than the questionnaire analysis method of financing advantages, so as to demonstrate its effectiveness in solving the SMEs financing difficulty, provide some solutions for the Quanzhou small and medium-sized sports leisure products production enterprises to solve the financing difficult problem.

【学位授予单位】：福州大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F406.7;F426.8;F832.4

【相似文献】