我国区域金融资源分布对中小企业融资的影响研究

发布时间：2018-05-27 16:40

本文选题：区域金融资源分布 + 中小企业　；参考：《山西财经大学》2017年硕士论文

【摘要】：随着国家“互联网+”“大众创业、万众创新”等战略的逐步深入,已经占据我国主导地位的中小企业正迎来发展转型的良好机遇。然而,融资状况不佳始终是中小企业发展道路上一个严重的阻碍,这既是由于中小企业自身的发展状况严重影响其内部融资能力,同时又是因为经济、金融、政策扶持等一系列不可控的外部环境影响其外部融资能力,内外部融资均受限制故而难以发展。本文首先从理论视角,对造成中小企业融资状况地区差异的外部融资环境和金融资源理论进行研究,在二者的理论基础上,对影响中小企业融资的外部因素(金融资源)进行了指标划分。其次,对我国区域金融资源的分布状况和中小企业的发展状况进行了描述性分析。在此基础上,从实证角度,以规模以上工业企业中的中小企业为研究样本,通过构建面板模型对区域金融资源分布与中小企业融资进行实证分析,以此来验证区域金融资源分布是否对中小企业融资具有影响。实证结果表明,金融资源对中小企业融资有着积极的影响,不同区域的影响大小因区域金融资源量的不同而不同,同时不同的可货币化金融资源对中小企业融资的影响大小也不同。东部地区的金融资源相对来说比较丰裕,充足的金融资源为当地的中小企业提供了足够的发展资金;而中、西部地区因为金融资源的匮缺,现有的金融资源难以满足当地中小企业发展的资金需求,在一定程度上制约了中、西部地区中小企业的发展。本文从创新模式提高金融资源利用率、发展经济增加金融资源存量、政策扶持均衡区域金融资源配置角度提出若干优化建议,期望通过此来逐步缩小地区间金融资源分布和金融资源利用率的差距,进而缩小地区间中小企业融资的差异。
[Abstract]:With the development of national "Internet", "mass entrepreneurship, innovation" and other strategies, small and medium-sized enterprises, which have occupied the leading position in China, are facing a good opportunity for development and transformation. However, the poor financing situation has always been a serious obstacle to the development of small and medium-sized enterprises. This is due to the fact that the development of small and medium-sized enterprises has seriously affected their internal financing capacity, and at the same time because of the economy and finance. A series of uncontrollable external environment, such as policy support, affect its external financing ability, and both internal and external financing are restricted, so it is difficult to develop. In this paper, the external financing environment and financial resource theory, which cause the regional differences in the financing situation of SMEs, are studied from the perspective of theory, and on the basis of the two theories, The external factors (financial resources) affecting the financing of small and medium-sized enterprises are classified. Secondly, it describes the distribution of regional financial resources and the development of SMEs. On this basis, from the empirical point of view, taking the small and medium-sized enterprises in the industrial enterprises above the scale as the research sample, the paper makes an empirical analysis of the distribution of regional financial resources and the financing of small and medium-sized enterprises through the construction of panel model. In order to verify whether the distribution of regional financial resources has an impact on the financing of SMEs. The empirical results show that financial resources have a positive impact on the financing of SMEs, and the impact of different regions varies with the amount of regional financial resources. At the same time, the influence of different monetized financial resources on SME financing is also different. The financial resources in the eastern region are relatively abundant. Adequate financial resources provide adequate development funds for local small and medium-sized enterprises. In the central and western regions, because of the shortage of financial resources, The existing financial resources are difficult to meet the financial needs of the development of local small and medium-sized enterprises, which to some extent restrict the development of small and medium-sized enterprises in the middle and western regions. This paper puts forward some optimization suggestions from the angle of innovating mode to improve the utilization rate of financial resources, developing economy to increase the stock of financial resources, and balancing the allocation of regional financial resources with policy support. Through this, we hope to gradually narrow the gap between the distribution of financial resources and the utilization rate of financial resources, and then narrow the differences between the financing of small and medium-sized enterprises in different regions.
【学位授予单位】：山西财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.7;F276.3

【参考文献】