我国小微企业信贷融资制度问题研究

发布时间：2018-10-14 08:20

【摘要】：根据工信部的数据显示，目前我国小微企业的数量超过1000万，占全国企业总数的95.8%。小微企业对我国GDP的贡献率超过60%,对税收的贡献率达到50%，并创造了70%的创新成果,对城镇就业的贡献占总就业人口的80%。这表明，小微企业在我国经济发展中具有重要作用。但是，小微企业信贷融资不足制约了小微企业的发展，，而导致小微企业信贷融资不足的一个重要原因是我国小微企业信贷融资制度不完善。因此，本文将在研究我国小微企业信贷融资制度问题的基础上，提出制度改进意见，支持我国小微企业发展。本文通过对小微企业信贷融资现状和信贷融资不足原因分析，总结出我国现行信贷融资制度不健全是制约小微企业信贷融资的重要因素，并借鉴日本和美国支持小微企业信贷融资制度方面经验，提出调整小微企业信贷融资金融组织制度结构、完善小微企业信贷融资风险控制制度、健全小微企业信贷融资定价制度、完善小微企业不良贷款处置制度等建议。
[Abstract]:According to the data of the Ministry of Industry and Information Technology, the number of small and micro enterprises in China is over 10 million, accounting for 95.8% of the total number of enterprises in China. The contribution rate of small and micro enterprises to China's GDP is more than 60%, and the contribution rate to tax revenue is 50%, and 70% of the innovative results have been created, and the contribution to urban employment accounts for 80% of the total employed population. This indicates that small and micro enterprises play an important role in the economic development of our country. However, the lack of credit financing of small and micro enterprises restricts the development of small and micro enterprises, and one of the important reasons leading to the shortage of credit financing of small and micro enterprises is the imperfection of credit financing system of small and micro enterprises in our country. Therefore, based on the study of the credit financing system of small and micro enterprises in China, this paper puts forward some suggestions on system improvement to support the development of small and micro enterprises in China. Based on the analysis of the current situation of credit financing of small and micro enterprises and the reasons for the shortage of credit financing, this paper concludes that the unsound credit financing system in China is an important factor restricting the credit financing of small and micro enterprises. Based on the experience of Japan and the United States in supporting the credit financing system of small and micro enterprises, this paper proposes to adjust the structure of credit financing financial organization system of small and micro enterprises and to perfect the risk control system of credit financing for small and micro enterprises. Improve the pricing system of small and micro-enterprise credit financing, improve the system of disposal of non-performing loans of small and micro-enterprises, and so on.
【学位授予单位】：河北大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F276.3;F275;F832.4

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