不同类型金融机构与农村中小企业信贷可获性

发布时间：2018-03-24 23:03

本文选题：不同金融机构　切入点：农村中小企业　出处：《南京农业大学》2013年硕士论文

【摘要】：中小企业在我国国民经济以及社会发展中起着举足轻重的作用,但是融资难却长期困扰着中小企业的发展,究竟如何才能缓解中小企业融资难,促进中小企业健康稳定发展,是社会各界关注的共同话题。近年来,政府颁布了一系列农村金融体制改革的具体措施,在2012年的中央“一号文件”中进一步提到要引导县域银行业金融机构强化农村信贷服务,加大县域小型微型企业的信贷投放力度。这在一定程度上为农村中小企业的发展提供了更多的融资渠道。在农村金融市场中,不同类型的农村金融机构组织结构、自身规模、经营管理体制、市场定位等不同,其在为农村中小企业提供贷款服务上是否存在差异?原因又是什么?因此,本文通过对江苏省苏州、南通和徐州三市县域265家中小企业的调查,运用有序Probit模型,实证分析了不同类型的农村金融机构对农村中小企业信贷可获性的影响。本文共分为五章,主要内容如下：第一部分：问题的提出。确定研究方向,明确研究意义与研究目标。界定论文关键概念,同时选取合适研究方法,理清文章的研究思路。第二部分：相关理论简述与文献评述。梳理国内外的相关文献,阐述了信贷配给理论、金融抑制理论,关系型融资理论、小银行优势理论等,并对国内外研究现状做简单评述。第三部分：金融机构与农村中小企业融资概况。简述本文的调查内容和调查对象,通过调查问卷的相关数据,整理、分析农村中小企业经营基本情况以及目前融资现状,进而描述江苏省农村金融机构发展现状,着重论述农村地区金融机构发展现状,为分析不同金融机构类型对农村中小企业的融资影响奠定基础。第四部分：不同金融机构与农村中小企业信贷可获性实证分析。选取江苏省苏南、苏中、苏北三地的调查数据,用有序Probit模型实证分析不同金融机构对中小企业信贷可获得性的影响。分别从金融机构特征、企业特征、地区特征三方面阐述实证结果,深入分析农村中小企业融资难的障碍因素。第五部分：结论与政策建议。针对目前农村中小企普遍存在融资难问题,从深化农村金融改革,促进农村合作金融机构多元化发展、重新确定商业银行经营策略和市场定位、规范和发展民间金融活动,加大对农村中小企业的支持力度、健全农村中小企业自身建设体系等方面提出相应的政策建议,完善农村金融体系、缓解农村中小企业融资难问题,提高中小企业信贷的可获性的提出相关政策建议。
[Abstract]:Small and medium-sized enterprises play an important role in the national economy and social development of our country, but the difficulty of financing has been perplexing the development of small and medium-sized enterprises for a long time. How to alleviate the financing difficulties of small and medium-sized enterprises and promote the healthy and stable development of small and medium-sized enterprises? In recent years, the government has promulgated a series of concrete measures to reform the rural financial system. In the "No. 1 document" of the Central Committee in 2012, it further mentioned the need to guide county banking financial institutions to strengthen rural credit services. To increase the lending of small and micro enterprises at the county level. To a certain extent, this has provided more financing channels for the development of small and medium-sized rural enterprises. In the rural financial market, different types of rural financial institutions have different organizational structures and their own size. Management system, market positioning, and so on, are there differences in providing loan services for small and medium enterprises in rural areas? What's the reason? Therefore, through the investigation of 265 small and medium-sized enterprises in Suzhou, Nantong and Xuzhou cities in Jiangsu Province, this paper empirically analyzes the influence of different types of rural financial institutions on the credit availability of rural small and medium-sized enterprises by using the ordered Probit model. This paper is divided into five chapters, the main contents are as follows:. The first part: put forward the problem, determine the research direction, clear the research significance and research goal, define the key concepts of the paper, select the appropriate research methods, and clarify the research ideas of the article. The second part: brief introduction of relevant theories and literature review, combing relevant literature at home and abroad, expounding credit rationing theory, financial suppression theory, relational financing theory, advantage theory of small banks and so on. The current research situation at home and abroad is briefly reviewed. The third part: financial institutions and rural SMEs financing overview. This paper briefly describes the investigation content and survey object, through the questionnaire related data, collate, analyze the basic situation of rural small and medium-sized enterprises and the current financing situation. Then it describes the development status of rural financial institutions in Jiangsu Province, focusing on the development of financial institutions in rural areas, for the analysis of different types of financial institutions on the financing impact of rural small and medium-sized enterprises. The fourth part: the empirical analysis of credit availability of different financial institutions and rural small and medium-sized enterprises. This paper empirically analyzes the influence of different financial institutions on the credit availability of SMEs by using the ordered Probit model. The empirical results are illustrated from three aspects: the characteristics of financial institutions, the characteristics of enterprises, and the regional characteristics. Deeply analyze the obstacle factor of financing difficulty of rural small and medium-sized enterprises. The fifth part: conclusion and policy suggestion. In view of the difficulty of financing in rural small and medium-sized enterprises, we should deepen the reform of rural finance, promote the diversified development of rural cooperative financial institutions, and redefine the management strategy and market orientation of commercial banks. To standardize and develop private financial activities, to increase support for rural SMEs, and to improve the system of rural SMEs' own construction, and to improve the rural financial system, so as to alleviate the financing difficulties of rural small and medium-sized enterprises. To improve the availability of credit for small and medium-sized enterprises to put forward relevant policy recommendations.
【学位授予单位】：南京农业大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4

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