许昌市中小企业贷款难问题研究

发布时间：2018-06-25 06:42

本文选题：许昌 + 中小企业　；参考：《郑州大学》2013年硕士论文

【摘要】：中小企业在我国国民经济发展中占据着十分重要的位置,加快中小企业的发展对于全面建设小康社会具有十分积极重要的作用。目前,中小企业贷款难的问题已经深深影响了我国社会主义市场经济建设,影响了企业的发展和壮大,同时制约了我国社会协调快速发展。中小企业贷款难的问题主要集中在三个层面,一个是银行,一个是企业,一个是政府,解决中小企业贷款难的问题需要“银行、企业、政府”三方的共同协作,从而才有可能根本性的解决社会主义市场经济发展过程中的这一重大难题。论文通过现场调查、对比分析、案例分析等方法,对许昌市中小企业贷款难问题进行了深入研究。首先,论述本地区中小企业贷款难问题的现状,总结出信贷总量偏小、信贷发放困难、贷款成本过高等主要问题,并且进行翔实分析。其次,对形成中小企业贷款难问题的原因进行深层次分析,主要包括两大部分：银行针对中小企业信贷不够重视、企业自身管理不规范。银行对于中小企业信贷不够重视的具体表现在中小企业信贷投放量不足,业务流程不够合理,没有合适的评价体系,没有切合中小企业的需求四个方面；企业自身管理不够规范主要表现在内部治理不完善,财务制度不完善,缺乏有效担保三个方面。综合这些原因,共同导致了许昌市中小企业贷款难问题的形成。最后,论文总结分析的原因,结合本地区的企业特色和城市发展特点,对中小企业贷款难问题提出了一系列策略措施。通过鼓励大型商业银行加强中小企业信贷投放量,并且建立适合本地区的授信评级系统,降低了本地区中小企业的准入门槛,也减少了中小企业贷款的难度。通过开发适宜的信贷产品,不仅在融资方面对企业有帮助,在抵押资产评估方面也要与企业相适应,才能拓宽企业贷款的门槛。通过政府鼓励中小企业贷款,使地区中小企业能够有更多更好的政策支持。通过建立中小企业担保体系,有效改善中小企业贷款抵押不足的问题,为企业贷款提供有效抵押支持。通过大力发展地方商业银行,利用本地优势,更好的为本地特别是郊县中小企业提供有效贷款支持。通过加强中小企业内部管理的规范性,使中小企业从内部提升企业素质,解决自身贷款难的问题。
[Abstract]:Small and medium-sized enterprises occupy a very important position in the development of our national economy, and accelerating the development of small and medium-sized enterprises plays a very positive and important role in building a well-off society in an all-round way. At present, the problem of difficult loan for small and medium-sized enterprises has deeply affected the construction of socialist market economy in China, affected the development and expansion of enterprises, and restricted the rapid and coordinated development of our society at the same time. The problem of SMEs' loan difficulties mainly focuses on three levels: one is the bank, the other is the enterprise, and the other is the government. To solve the problem of SMEs' loan difficulties, we need the joint cooperation of "bank, enterprise, government". Thus it is possible to fundamentally solve this major problem in the course of the development of socialist market economy. Through field investigation, comparative analysis and case study, this paper makes a deep study on the loan difficulty of small and medium-sized enterprises in Xuchang. First of all, the paper discusses the present situation of the loan difficulty of the small and medium-sized enterprises in this area, summarizes the main problems such as the small amount of credit, the difficulty of extending the credit, the high cost of the loan and so on, and carries on the detailed analysis. Secondly, the paper makes a deep analysis of the reasons for the difficulty of SMEs' loans, including two parts: the banks do not pay enough attention to the SMEs' credit, and the enterprises' own management is not standardized. The bank does not pay enough attention to the SMEs' credit in the following four aspects: the amount of SMEs' credit is insufficient, the business process is not reasonable, there is no suitable evaluation system, and the SMEs' needs are not met; The internal governance, financial system and guarantee are not perfect. Comprehensive these reasons, together led to the formation of small-and medium-sized loans in Xuchang City. Finally, the paper summarizes and analyzes the reasons, combined with the characteristics of local enterprises and urban development, and puts forward a series of strategies and measures to the problem of small and medium-sized enterprises' loan difficulties. By encouraging large commercial banks to strengthen the amount of credit for small and medium-sized enterprises, and to establish a credit rating system suitable for the region, the entry threshold of small and medium-sized enterprises in the region is lowered, and the difficulty of loans for small and medium-sized enterprises is also reduced. Through the development of appropriate credit products, not only in the financing of enterprises, but also in the assessment of mortgage assets should be adapted to enterprises, in order to broaden the threshold of enterprise loans. Through the government to encourage small and medium-sized enterprises to lend, so that regional SMEs can have more and better policy support. By establishing the guarantee system of small and medium-sized enterprises, we can effectively improve the problem of insufficient loan mortgage, and provide effective mortgage support for enterprise loan. By vigorously developing local commercial banks and making use of local advantages, we can better provide effective loan support for local small and medium-sized enterprises, especially in suburban counties. By strengthening the standardization of internal management of small and medium-sized enterprises, we can improve the quality of enterprises from the inside and solve the problem of difficult loans.
【学位授予单位】：郑州大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4;F275;F276.3

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