珠海小微企业金融服务模式研究

发布时间：2018-04-02 16:11

本文选题：小微企业　切入点：融资　出处：《吉林大学》2017年硕士论文

【摘要】：小微企业是解决就业、创新、分配问题的重要驱动力,在新常态下,小微企业的发展将为改变中国的经济驱动模式,推动经济社会进入新时代做出更加重要的贡献。但融资问题一直是困扰小微企业生存和发展的关键点和难点。本文从国内外研究小微企业问题的文献和金融学理论出发,分析小微企业融资难形成的原因,认为信息不对称和信贷配给是导致小微企业融资难的关键因素,政府可以利用关系贷款理论和税收财政政策帮助小微企业解决融资难题,同时政府可以利用财政资金的杠杆效应和政府的信用为小微企业提供金融担保服务。在深入分析这些理论的基础上,本文选取了美国、日本和台湾地区开展小微企业金融服务的经验进行解析,寻找可借鉴的内容。本文以珠海市正在建设的“四位一体”担保融资平台为案例,进一步分析了财政政策支持小微企业融资的工作机理和支持方式,提出了现行平台中存在的问题,包括政府与市场边界不合理,组织管理存在缺陷,保障支撑体系不完善以及监管约束机制不健全等。在此基础上,本文提出了适合地方实际情况的支持小微企业融资的总体思路和具体的政策建议,提出了制定小微企业融资担保相关法律法规、完善政府职能,落实各项扶植政策、实施“负面清单”制度,强化普惠金融、建设金融信息管理系统,破解信息不对称、发挥财政资金的杠杆效应等解决措施,具有一定的现实意义。
[Abstract]:Small and micro enterprises are the important driving force to solve the problems of employment, innovation and distribution. Under the new normal condition, the development of small and micro enterprises will make more important contribution to changing the economic driving mode of China and pushing the economy and society into a new era.However, the financing problem is always the key point and difficulty to the survival and development of small and micro enterprises.Based on the literature and financial theory of domestic and foreign research on small and micro enterprises, this paper analyzes the causes of financing difficulties of small and micro enterprises, and points out that information asymmetry and credit rationing are the key factors leading to the financing difficulties of small and micro enterprises.The government can use the relational loan theory and the tax policy to help the small and micro enterprises solve the financing problem, meanwhile, the government can use the leverage effect of the financial capital and the government credit to provide the financial guarantee service for the small and micro enterprises.On the basis of in-depth analysis of these theories, this paper selects the experiences of the United States, Japan and Taiwan to analyze the financial services of small and micro enterprises, and looks for the contents that can be used for reference.Taking the "four-in-one" guarantee financing platform under construction in Zhuhai as an example, this paper further analyzes the working mechanism and supporting methods of fiscal policy to support the financing of small and micro enterprises, and puts forward the existing problems in the current platform.It includes unreasonable boundary between government and market, defects in organization and management, imperfect support system and imperfect supervision and restraint mechanism.On this basis, this paper puts forward the general ideas and specific policy recommendations to support the financing of small and micro enterprises, and puts forward the relevant laws and regulations to perfect the government functions.It is of certain practical significance to carry out various supporting policies, implement the system of "negative list", strengthen inclusive finance, build financial information management system, break the information asymmetry and give play to the leverage effect of financial funds.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4;F279.27;F275.4

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