金融服务创新视角下中小企业融资问题研究

发布时间：2018-05-01 15:30

本文选题：中小企业 + 融资难　；参考：《湖北工业大学》2017年硕士论文

【摘要】：经过改革开放三十多年来的发展,我国经济取得了巨大的成就,国内生产总值位居世界第二。与此同时,我国中小企业也得到了快速的发展,成为我国国民经济的重要组成部分。目前,我国中小企业占企业总数的99%以上,在解决就业和繁荣经济方面发挥了重大的作用,是促进我国经济发展与社会稳定的基石。随着经济的发展,政府和人民对经济的发展质量也提出了更高的要求。粗放型的经济发展模式极大的消耗了不可再生能源,也导致环境恶化影响人民群众的身体健康。为提高经济发展质量,政府及众多企业积极进行产业结构转型升级,以适应新形势下的市场竞争。中小企业由于规模小,资源少,内源融资能力较弱,在我国经济产业转型升级的大背景下,中小企业举步维艰。而融资难问题是中小企业的发展瓶颈。为缓解中小企业融资难问题,本文对中小企业的融资现状进行研究,通过金融服务创新来缓解中小企业融资难的问题。文章从理论分析着手,采用实地调研法为主,并辅文献研究法、归类总结法及讨论法,通过这四种研究方法的使用,有效的反映金融服务创新对中小企业融资的影响,并在此基础上,研究通过金融服务创新激活社会资金从而促进中小企业融资。通过分析研究发现,在目前的金融融资体系下,中小企业存在着融资渠道单一、银行信贷难、金融融资门槛高及信息不对称等诸多问题。这些问题是制约中小企业融资的现实难题,就目前的金融融资体系很难满足中小企业融资的需求。结合国际的成功经验及我国的实际情况,本文主要从金融服务创新方面提出对策建议结合金融机构、政府及企业自身的改革,探索构建公开、公平、高效的金融融资服务体系。通过建立以统一的金融融资平台、信用平台及第三方评级机构为主体的大型综合融资平台,使中小企业能通过该平台便捷的获得发展所需的资金,缓解制约中小企业发展的融资难问题。
[Abstract]:After more than 30 years of reform and opening up, China's economy has made great achievements, the GDP ranks second in the world. At the same time, the small and medium-sized enterprises of our country also get the fast development, become the important part of our national economy. At present, small and medium-sized enterprises in our country account for more than 99% of the total number of enterprises, which plays an important role in solving the problem of employment and prosperity of economy, and is the cornerstone of promoting the economic development and social stability of our country. With the development of economy, the government and people also put forward higher request to the quality of economic development. The extensive economic development model consumes the non-renewable energy greatly, also causes the environmental deterioration to affect the people's health. In order to improve the quality of economic development, the government and many enterprises actively carry out the industrial structure transformation and upgrade to adapt to the market competition under the new situation. Because of their small scale, small resources and weak endogenous financing ability, SMEs are struggling under the background of economic and industrial transformation and upgrading. The problem of financing is the bottleneck of the development of small and medium-sized enterprises. In order to alleviate the financing difficulties of small and medium-sized enterprises, this paper studies the financing status of small and medium-sized enterprises, through the innovation of financial services to alleviate the financing difficulties of small and medium-sized enterprises. The article starts from the theoretical analysis, mainly adopts the field investigation method, and adjusts the literature research method, classifies the summary method and the discussion method, through the use of these four research methods, effectively reflects the financial service innovation to the small and medium-sized enterprise financing influence. And on this basis, the research through the innovation of financial services to activate social funds to promote small and medium-sized financing. Through analysis and research, it is found that under the current financial financing system, SMEs have many problems such as single financing channel, difficult bank credit, high financial financing threshold and asymmetric information. These problems are the practical problems restricting the financing of small and medium-sized enterprises. The current financial financing system is very difficult to meet the financing needs of small and medium-sized enterprises. Combined with the international successful experience and the actual situation of our country, this paper mainly puts forward the countermeasures and suggestions from the aspect of financial service innovation, combining with the reform of financial institutions, governments and enterprises, to explore the construction of an open, fair and efficient financial financing service system. Through the establishment of a unified financial financing platform, credit platform and third-party rating agencies as the main body of the large-scale comprehensive financing platform, so that small and medium-sized enterprises can easily access the development of funds through this platform. Ease the financing difficulties that restrict the development of small and medium enterprises.
【学位授予单位】：湖北工业大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F276.3;F275

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