我国联保贷款在小微企业融资中的运用研究

发布时间：2017-12-31 23:12

本文关键词：我国联保贷款在小微企业融资中的运用研究　出处：《广西大学》2013年硕士论文　论文类型：学位论文

【摘要】：改革开放以来,小微企业在我国国民经济中的地位不断提高,是我国市场经济中最活跃的力量,为我国经济发展和社会和谐发挥了巨大的贡献。但由于小微企业贷款具有额度小、期限短、频率高、分布面广等特点,使商业银行不太愿意开展小微企业贷款的业务。为了改善小微企业融资难的现状,近几年我国政府出台了一系列的方针、政策促进小微企业稳健发展。由于受金融危机的影响,大量银行纷纷倒闭,一些比较大的公司选择在证券市场上融资,金融机构的业务量缩小了很多,因此,很多金融机构开始把小微企业市场当做一块大的蛋糕去挖掘,其中联保贷款模式是他们运用的较为广泛的贷款方式。但是,我国小微企业联保贷款的发展目前也存在一些不足之处：如有些联保小组内成员企业相互陌生；有些地区小微企业联保贷款的违约率很高,并出现大量集体违约的现象等。为了解决这些困难需要探讨小微企业这一群体是否适合开展联保贷款业务,需要进一步研究联保贷款的运行机理,特别是对联保贷款的还款激励机制的作用机理进行深入的分析,因此本文先运用博弈论的方法对联保贷款的运行机理进行分析,研究联保贷款的激励机制对还款率的影响；然后通过调研方式选取样本对小微企业联保贷款的还款率情况进行实证分析,对联保贷款的履约激励机制的有效性进行论证；最后从小微企业自身、银行等金融机构、金融监管部门和政府部门这四的方面提出促进我国小微企业联保贷款业务发展的几点建议。
[Abstract]:Since the reform and opening up, the status of small and micro enterprises in China's national economy is constantly improving, is the most active force in the market economy of our country. It has played a great contribution to the economic development and social harmony of our country, but because of the small amount of loans, short term, high frequency, wide distribution and so on. In order to improve the current situation of financing of small and micro enterprises, our government has issued a series of policies in recent years. Policies promote the steady development of small and micro enterprises. Due to the impact of the financial crisis, a large number of banks have closed down, some larger companies choose to finance in the securities market, the volume of business of financial institutions has decreased a lot, therefore. Many financial institutions are beginning to tap into the market for small and micro enterprises as a big cake, in which the UNPROFOR loan model is the more extensive form of lending they use. At present, there are some shortcomings in the development of the small and micro enterprises' UNPROFOR loan in China: for example, some members of the group are strangers to each other; In some areas, the default rate of small and micro enterprises' UNPROFOR loans is very high, and a large number of collective defaults have occurred. In order to solve these difficulties, it is necessary to explore whether the small and micro enterprises group is suitable for the operation of UNPROFOR loans. It is necessary to further study the operational mechanism of the UNPROFOR loan, especially the mechanism of the incentive mechanism of the repayment of the UNPROFOR loan. Therefore, this paper first uses the game theory method to analyze the operation mechanism of the UNPROFOR loan, and studies the influence of the incentive mechanism of the UNPROFOR loan on the repayment rate. Then through the investigation method selects the sample to carry on the demonstration analysis to the small and micro enterprise UNPROFOR loan repayment rate, to the UNPROFOR loan performance incentive mechanism validity carries on the demonstration; Finally, some suggestions are put forward to promote the development of small and micro enterprises' UNPROFOR loan business from the following four aspects: small and micro enterprises themselves, banks and other financial institutions, financial supervision departments and government departments.
【学位授予单位】：广西大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F275;F276.3;F832.4

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