基于信用联盟信贷模式下的中小企业发展研究

发布时间：2018-05-25 02:18

本文选题：中小企业 + 信用联盟　；参考：《广西大学》2014年硕士论文

【摘要】：近年来,中小企业在我国经济发展中起着越来越重要的作用,成为促进社会生产力发展和推动社会主义和谐社会建设的重要力量。尽管我国中小企业飞速发展,支持发展的资金来源却十分有限,特别是银行融资更是难上加难,融资困难严重地阻碍了我国中小企业的正常有序的发展。根据现实情况,银行信贷是我国中小企业最主要的融资渠道和资金来源,银行开发适合中小企业的信贷产品,解决好中小企业融资问题,银企将取得双赢的效果。本文以信用引致型金融创新理论和中间层组织理论为依据,提出信用联盟信贷模式以解决基于信息不对称理论的中小企业融资问题。信用联盟信贷融资模式是银行从顺应市场融资需求的角度进行的“引致型”金融创新,多元化中间层的引入不仅可以克服单一中间层的适用范围狭窄、收益与风险不对称等问题,也可以适应各行业、各区域发展现状,最大限度的利用现有资源,发挥现有优势,解决企业信息不公开不对称的问题,各成员的信用分布进行改进组合,提升信用联盟整体的信誉边际水平,达到抱团增信的效果,将“信誉链”最大程度转化为“融资链”。本文首先梳理了中小企业信用联盟信贷模式相关概念、发展特征及模式分类,运用博弈论模型阐述了模式的实现机制及运行机制,通过案例对比与分析指出了中小企业信用联盟信贷模式的理论实践、理论7创新及存在的问题,将国外解决中小企业融资问题的优秀经验本土化,提出更加符合现实情况的创新模式,完善各项配套机制,提高中小企业信用等级,降低银企融资风险,为银行金融产品创新和中小企业融资提供多种可供选择的方式和平台,改善中小企业融资环境、解决中小企业融资困难,为推动我国经济发展和活跃经济理论研究,都具有现实的、长远的影响和意义。
[Abstract]:In recent years, small and medium-sized enterprises (SMEs) play a more and more important role in the economic development of our country and become an important force to promote the development of social productive forces and the construction of socialist harmonious society. In spite of the rapid development of small and medium-sized enterprises in our country, the source of funds to support development is very limited, especially the difficulty of bank financing, which seriously hinders the normal and orderly development of small and medium-sized enterprises in our country. According to the actual situation, bank credit is the most important financing channel and source of funds for small and medium-sized enterprises in China. Banks develop credit products suitable for small and medium-sized enterprises, solve the financing problems of small and medium-sized enterprises, and the banks and enterprises will achieve win-win results. Based on the credit induced financial innovation theory and the middle level organization theory, this paper puts forward the credit alliance credit model to solve the financing problem of SMEs based on the information asymmetry theory. The credit union credit financing mode is the "inductive" financial innovation carried out by banks from the point of view of meeting the market financing demand. The introduction of diversified intermediate layer can not only overcome the narrow scope of application of a single intermediate layer. Problems such as asymmetric returns and risks can also be adapted to the current situation of development in various industries and regions, maximize the use of existing resources, give play to existing advantages, and solve the problem of asymmetric information in enterprises. The credit distribution of each member is improved to improve the credit marginal level of the credit union as a whole, to achieve the effect of grouping and increasing the credit, and to transform the "credit chain" into the "financing chain" to the greatest extent. This paper firstly combs the related concepts, development characteristics and classification of the credit model of the credit alliance of small and medium-sized enterprises, and explains the realization mechanism and operation mechanism of the model by using the game theory model. Through the comparison and analysis of cases, this paper points out the theoretical practice, theoretical innovation and existing problems of the credit union credit model of SMEs, and localization of the outstanding experience in solving the financing problem of SMEs abroad. Proposing more realistic innovative models, perfecting various supporting mechanisms, improving the credit rating of small and medium-sized enterprises, reducing the financing risk of banks and enterprises, and providing a variety of alternative ways and platforms for bank financial product innovation and SME financing. Improving the financing environment of small and medium-sized enterprises and solving the financing difficulties of small and medium-sized enterprises have realistic, long-term influence and significance in order to promote the economic development of our country and activate the research of economic theory.
【学位授予单位】：广西大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F276.3;F832.4;F275

【参考文献】