沈阳中小微企业贷款押品调研报告

发布时间：2018-05-03 18:18

本文选题：中小微企业贷款 + 押品　；参考：《辽宁大学》2013年硕士论文

【摘要】：占我国企业总数90%以上的中小微企业作为最庞大的市场经济主体，是创新和发展的主力参与者，成为经济持续健康发展的重点。如何扶植初创企业，推动中小微企业良好迅速可持续地发展，成为未来经济发展研究的重点之一。从中小微企业的发展历史来看，在其经营过程中除了要对的持续创新、市场开发、企业治理等问题外，还要对资金紧缺甚至资金链断裂的问题加以重视，往往他是阻碍发展的核心问题。在现有企业贷款框架下，小额贷款公司及贷款担保公司等融资渠道只能稍稍缓解中小微企业融资困难的窘境，，而完全不能满足中小微企业庞大的融资需求，因此无法解决中中小微企业融资困境。商业银行则出于对风险性和盈利性等方面的考量，对中小微企业贷款提出了价位严格的押品条件，许多中中小微企业由于难以满足银行在押品方面的要求，而无法顺利获得银行贷款，最终表现为整体经济中的“麦克米伦缺口”。对于拥有雄厚资本的商业银行，在适当的风险管理框架和方案下，及适合的市场环境中，扩大对中小微企业贷款押品接受范围，并适当发展信用贷款，将有助于商业银行改善自身的贷款结构，提升盈利能力。对于中中小微企业而言，押品范围的扩展将很大程度的解决其贷款困难的境况，为其持续良好快速发展提供资金基础。同时有助于推动我国经济的稳定快速发展，加快市场成熟的步伐。本文首先通过近年的学术研究成果对中小企业融资困境现状及解决方案进行整理分析，并提出押品在中小微企业融资困境中所扮演的核心角色。其次，以沈阳地区的中小微企业贷款调研数据为基础进行汇总统计，了解沈阳地区中小微企业贷款押品方面的现状，并通过数据统计结果总结出沈阳地区中小微企业贷款押品方面存在的接受范围小、低估值、缺乏处置途径等问题并从中加以分析。再次，针对目前环境下的中小微企业贷款押品方面存在的问题，从企业和银行两个方面进行分析总结。之后，借鉴理论研究成果提出针对沈阳地区中小微企业贷款押品问题的有效途径来缓解融资困境。最后，得出本文结论并对解决途径的未来发展做出展望。
[Abstract]:As the largest market economy subject, small and medium-sized enterprises (MSMEs), which account for more than 90% of the total number of enterprises in China, are the main participants in innovation and development, and have become the focus of sustained and healthy economic development. How to foster start-ups and promote small and medium-sized enterprises to develop rapidly and sustainably has become one of the key points of economic development in the future. Judging from the history of the development of small and medium-sized enterprises, in addition to the problems of continuous innovation, market development, corporate governance, and so on, in the course of its operation, it is also necessary to attach importance to the problems of capital shortage and even capital chain breakage. He is often the central problem that hinders development. Under the existing enterprise loan framework, microfinance companies and loan guarantee companies and other financing channels can only slightly alleviate the financing difficulties of small and medium-sized enterprises, but can not meet the huge financing needs of small and medium-sized enterprises. Therefore, it is impossible to solve the financing dilemma of medium, small and micro enterprises. Commercial banks, on the other hand, considering the risks and profitability, have put forward strict pricing conditions for loans from small and medium-sized microenterprises. Many small, medium and small enterprises are unable to meet the requirements of bank custody. And the failure to obtain bank loans, the ultimate performance of the overall economy in the "Macmillan gap." For commercial banks with strong capital, to expand their acceptance of SME loan collateral and to develop credit loans appropriately, within appropriate risk management frameworks and programmes, and in an appropriate market environment, It will help commercial banks to improve their loan structure and enhance profitability. For small, medium and small enterprises, the expansion of the range of collateral will solve their loan difficulties to a large extent, and provide a financial basis for their sustained good and rapid development. At the same time, it helps to promote the stable and rapid development of our economy and accelerate the pace of market maturity. In this paper, the current situation and solutions of SMEs' financing dilemma are analyzed through the academic research results in recent years, and the key role of the pawn in the financing dilemma of SMEs is put forward. Secondly, based on the survey data of small and medium-sized enterprises loans in Shenyang area, we can get a general understanding of the current situation of loans pledged by small and medium-sized enterprises in Shenyang area. Based on the statistical results, the paper summarizes and analyzes the problems of small and medium-sized enterprises in Shenyang, such as small acceptance range, low valuation, lack of disposal way and so on. Thirdly, this paper analyzes and summarizes the problems existing in the loan collateral of small and medium enterprises in the present environment from the two aspects of enterprises and banks. After that, the paper puts forward an effective way to alleviate the financing dilemma by referring to the theoretical research results. Finally, the conclusion of this paper and the future development of the solution are prospected.
【学位授予单位】：辽宁大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4;F275

【参考文献】