小贷机构融资模式创新研究

发布时间：2018-05-19 20:49

本文选题：小贷机构 + 融资模式　；参考：《西北农林科技大学》2013年硕士论文

【摘要】：随着中小微企业在我国的经济地位不断提升，他们的融资矛盾越来越突出。在我国的目前金融条件下，商业银行短时间内难以扭转评价体系。目前看，受监管的小贷专营机构的放贷规模扩大，才是当前最正常、最易监督、最急需的问题，而他们扩张所需的自身融资矛盾也越来越突出。这个矛盾的主要核心是旧有融资模式缺陷很大。为小贷机构探索新的融资模式，关键的问题是使得拥有资金的传统金融机构和小贷机构之间消除隔膜。这种隔膜在于，小贷机构认为传统金融机构不给予基本信任；传统金融机构又以小贷机构的逐利性为基本出发点，不敢信任。目前金融体制下，以金融系统性安全为基础，创新小贷机构的融资模式本身，就是加强监管。将小贷机构通过体制内机构渗透，将其间接纳入体制内监管，进一步向小贷机构进行融资。本文以小贷机构融资模式为研究对象，首先从现状入手,分析小贷机构普遍存在的融资难问题,进而分析现有的融资模式缺陷，深入研究这些缺陷是什么和他们的成因。继而对小贷机构的重新定位，明确提出其融资新模式的前提和满足这个前提的要求。本文研究过程采取分析与实证分析相结合，使用定性分析与定量分析相结合的方法进行研究。具体研究方法中使用标准化调查法对小贷机构现有融资模式进行分析后，，将其现有融资模式归纳为三大类——合法类、违法类、界限模糊类；使用财务指标分析法对小贷机构的资金利润率、资本利润率、逾期率、不良率、拨备率等财务指标进行观察和分析，研究其财务变化及风险控制问题；运用SWOT分析法，分析研究构成其融资效果的内、外因，在现有金融体制、法律体系内寻求合理、安全、高效的融资新模式。上述研究，可能对推进金融改革和改善中小企业融资提供了依据。论文结论上能够理论模拟小贷机构融资的创新模式，对扩大中小企业贷款投放产生积极的推动意义。在技术角度上提出了小贷机构参与大金融市场时所需考量的风险、规模、机制等方面的审查、改进措施，使得小贷机构进入金融市场具备了可操作性。从监管角度上明确提出小贷机构应监管的方面和监管所应用的指标，为小贷机构跻身金融市场提供了监管可能。
[Abstract]:With the increasing economic status of small and medium-sized enterprises in China, their financing contradiction is becoming more and more prominent. Under the present financial conditions of our country, it is difficult for commercial banks to reverse the evaluation system in a short time. For now, the expansion of lending by regulated small-loan franchisees is the most normal, easy to monitor and much-needed problem, and the self-financing contradictions they need to expand are becoming increasingly prominent. The main core of this contradiction is that the old financing model is very flawed. To explore a new financing model for small lenders, the key problem is to remove the gap between traditional financial institutions with funds and small lending institutions. This kind of gap lies in the fact that the traditional financial institutions do not give basic trust to the traditional financial institutions, and the traditional financial institutions do not dare to trust because of the interest driven by the small lending institutions. Under the current financial system, the innovation of the financing mode of the small loan institutions is to strengthen the supervision based on the financial systemic security. The small loan institutions are infiltrated through the institutions within the system and indirectly brought into the supervision of the system to further finance the small lending institutions. This paper takes the financing model of the small loan institution as the research object, starts with the present situation, analyzes the common financing difficulties of the small loan institution, and then analyzes the defects of the existing financing model, and studies in depth what these defects are and their causes. Then the re-positioning of the small lending institutions, clearly put forward the premise of its new financing model and meet the requirements of this premise. The research process of this paper is based on the combination of qualitative analysis and quantitative analysis. In the concrete research method, after analyzing the existing financing mode of the small loan institution by using the standardized investigation method, the existing financing model of the small loan institution is classified into three categories: legal class, illegal class and fuzzy boundary category; The financial index analysis method is used to observe and analyze the financial indexes such as capital profit rate, overdue rate, defective rate, reserve rate and so on, to study its financial change and risk control, and to use SWOT analysis method. This paper analyzes and studies the internal and external causes of its financing effect, and seeks a reasonable, safe and efficient new financing model in the existing financial system and legal system. The above research may provide the basis for promoting financial reform and improving the financing of small and medium enterprises. The conclusion of the paper can theoretically simulate the innovative mode of financing of small loan institutions, which has a positive significance to expand the lending of small and medium-sized enterprises. From the point of view of technology, this paper puts forward the examination and improvement measures of risk, scale, mechanism and so on, which should be considered when small loan institutions participate in large financial markets, so that small loan institutions can enter the financial market with maneuverability. From the point of view of supervision, this paper puts forward clearly the aspects of supervision and the indicators used in supervision, which provides the possibility for small loan institutions to enter the financial market.
【学位授予单位】：西北农林科技大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4

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