民间借贷合法化对中小企业融资的影响研究

发布时间：2018-06-22 23:16

本文选题：民间借贷 + 中小企业　；参考：《沈阳航空航天大学》2013年硕士论文

【摘要】：民间借贷起步比较早，在我国有比较长的历史。纵观它自身的发展的过程，中间有过数次的起伏变化。随着我国整体经济的快速发展，目前的金融机制和体系也发展的愈发成熟。但是，我们都知道，单凭正规金融机构的力量是肯定不够的，再加上我国复杂的经济体系。同时民间也有大量闲散资金由于狭窄的投资渠道而造成了浪费，因此这就造成了中小企业的资金缺口和民间资金的闲置局面。纵观各国经济，中小企业的地位都是不可替代的，在我国尤为如此。据统计资料显示，我国截止目前已经登记的中小企业数量在总量中的比例超过了95%以上甚至更高,在我国GDP的总量中也占据了超过了百分之七十的份额,可悲的是，却没有得到与其地位相匹配的待遇和相应的关注。由于我国中小企业的弱势地位，融资的困境在我国中小企业快速发展的前进道路上,已然成为了最难逾越的鸿沟。民间借贷的规范和阳光化也就成了当务之急，也成为社会经济发展的重要一环。本文从国内外研究现状出发，在与此相关的理论基础上基于本文研究的角度出发，，给出相应的定义。通过分析我国中小企业和民间借贷的现状和特点，分析中小企业融资难的具体原因和民间借贷自身的缺陷以及其存在发展的理由，在对中小企业融资周期划分的基础上，分析其各阶段选择不同融资方式的可行性。最后，以温州民间借贷的现状和尝试为背景，分析民间借贷的特点以及针对中小企业融资特点选择民间借贷融资的可行性分析和可能带来的影响，通过实证分析，来指出民间借贷在中小企业融资中的地位，对研究中小企业不同金融周期阶段选择最为适宜的融资方式有一定现实意义。
[Abstract]:Private lending started earlier, in our country has a relatively long history. Throughout its own development process, there have been several ups and downs in the middle. With the rapid development of China's overall economy, the current financial mechanism and system are becoming more and more mature. But, as we all know, the strength of formal financial institutions is certainly not enough, coupled with our complex economic system. At the same time, a large number of idle funds are wasted because of the narrow investment channels, which leads to the financing gap of small and medium-sized enterprises and the idle situation of private funds. Throughout the economy, the status of small and medium-sized enterprises are irreplaceable, especially in China. According to statistical data, the number of small and medium-sized enterprises registered in China so far has exceeded 95% or more of the total amount, and has also accounted for more than 70% of the total GDP of our country. Sadly, But has not received the treatment which matches its status and the corresponding attention. Because of the weak position of the small and medium-sized enterprises in our country, the predicament of financing has become the most difficult gap in the rapid development of the small and medium-sized enterprises in our country. The norm and sunshine of non-government lending have become urgent affairs and an important part of social and economic development. Based on the current research situation at home and abroad, this paper gives the corresponding definition on the basis of the related theory. Based on the analysis of the present situation and characteristics of SMEs and private lending in our country, the specific reasons of financing difficulties for SMEs, the defects of private lending itself and the reasons for their existence and development, the paper divides the financing cycle of SMEs. The feasibility of choosing different financing methods in each stage is analyzed. Finally, based on the status quo and attempt of private lending in Wenzhou, this paper analyzes the characteristics of private lending and the feasibility analysis and possible impact of private loan financing in view of the financing characteristics of small and medium-sized enterprises. To point out the status of private lending in the financing of small and medium-sized enterprises, it is of practical significance to study the most suitable financing methods for SMEs in different financial cycle stages.
【学位授予单位】：沈阳航空航天大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F276.3;F832.4

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