我国中小企业融资优化问题研究

发布时间：2018-06-11 17:52

本文选题：中小企业 + 融资环境　；参考：《吉林大学》2017年硕士论文

【摘要】：中小企业是推动我国经济社会发展的重要力量。但在我国这样一个信贷市场以大型国有银行为主导且资本市场建设尚不完备的国家,中小企业融资难这一世界性、普遍性难题显得格外突出,已制约到其经济、社会效益的发挥,所以优化中小企业的融资环境迫在眉睫。中小企业现有融资模式包括财政资金补助、银行贷款、自筹资金、风险投资、股权融资等形式。本文通过研究中小企业在我国经济发展中的地位作用和发展特征,结合分析资本结构理论、融资偏好理论等相关理论及对我国中小企业融资的具体适用情况,探寻我国中小企业融资难的现状及成因,得出融资难的根本原因。最后提出本文结论:解决中小企业融资难问题关键是政府、金融机构、企业三方共同发力,建立健全面向中小企业的融资机制和社会信用体系,积极推动中小企业融资的渠道多元化、交易市场化、经营规范化和结构合理化。同时从为中小企业创造平等的融资环境、完善中小企业融资服务和提高中小企业自身素质等三方面,提出缓解我国中小企业融资难、融资贵的对策建议。
[Abstract]:Small and medium-sized enterprises are an important force to promote the economic and social development of our country. However, in a country where the credit market is dominated by large state-owned banks and the construction of capital markets is not yet complete, the worldwide and universal problems of SMEs' financing are particularly prominent and have restricted their economies. Social benefits play, so optimization of the financing environment for small and medium-sized enterprises is imminent. The existing financing modes of SMEs include financial subsidy, bank loan, self-financing, venture capital, equity financing and so on. By studying the role and characteristics of small and medium-sized enterprises in the economic development of our country, this paper analyzes the relevant theories such as capital structure theory, financing preference theory and its application to the financing of small and medium-sized enterprises in China. This paper probes into the present situation and causes of financing difficulties of small and medium-sized enterprises in our country, and obtains the basic reasons of financing difficulties. Finally, the conclusion of this paper is: the key to solve the financing difficulties of SMEs is the joint efforts of the government, financial institutions and enterprises to establish and improve the financing mechanism and social credit system for small and medium-sized enterprises. Actively promote the diversification of financing channels for small and medium-sized enterprises, marketization of transactions, standardization of operations and rationalization of the structure. At the same time, from the three aspects of creating equal financing environment for small and medium-sized enterprises, perfecting the financing service of small and medium-sized enterprises and improving the quality of small and medium-sized enterprises, the paper puts forward some countermeasures and suggestions to alleviate the difficulty of financing for small and medium-sized enterprises in our country.
【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】：F276.3;F275

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