德国中小企业融资体系研究

发布时间：2018-05-10 08:23

  本文选题：德国 + 中小企业　； 参考：《中国社会科学院研究生院》2017年博士论文

【摘要】：中小企业是影响一国经济增长和劳动力市场稳定的最重要的因素之一,在一国的经济和社会的发展中都占有举足轻重的地位。一国在制定经济发展政策和优化经济结构时应充分考虑对中小企业的影响,应对资源配置加以引导,推动金融体系更好地满足中小企业的融资需求、激发中小企业的活力,进而实现国民经济的健康、稳定增长。德国是世界第四大经济体,拥有数量众多的中小企业,德国的中小企业不仅在全球市场上拥有极强的竞争力,而且其高效的经营和充满活力的创新活动促进了德国经济的持续健康发展,德国金融体系高效的资金供给对此功不可没。德国实施了一系列措施推动中小企业融资体系的构建,引导资金流向中小企业。德国政府对中小企业融资的制度安排不仅改善了市场运行中的市场失灵问题,同时提高了储蓄—投资转化过程中的资源配置效率,真正体现了金融服务于实体经济发展的本质。德国依靠发达的银行体系,在秉承德国商业银行的长期稳定的资源配置的基础上,构建了以商业银行体系为核心,资助银行、担保银行以及社会信用信息体系为补充的中小企业融资供给体系。通过一系列行之有效的制度安排,德国充分发挥了几个子体系的差异化作用和互补功能,加强了各子体系内部的协调整合,完善了资金供给的畅通渠道,提高了德国中小企业应对宏观经济形势的不利变动的能力。本文从德国金融体系的实际情况角度出发,对德国中小企业融资体系进行分析,研究德国政府在德国中小企业融资中发挥的作用,为一国如何解决中小企业融资难题,进而促进中小企业健康发展提供借鉴。
[Abstract]:Small and medium-sized enterprises (SMEs) are one of the most important factors that affect the economic growth and the stability of labor market in a country, and play an important role in the economic and social development of a country. When formulating economic development policies and optimizing the economic structure, a country should take full account of the impact on SMEs, guide the allocation of resources, promote the financial system to better meet the financing needs of SMEs, and stimulate the vitality of SMEs. Then realize the health of national economy, steady growth. Germany is the fourth largest economy in the world, with a large number of small and medium-sized enterprises. German SMEs are not only highly competitive in the global market. Moreover, its efficient operation and vigorous innovation have promoted the sustained and healthy development of the German economy, and the efficient supply of funds in the German financial system has contributed to this. Germany has implemented a series of measures to promote the construction of SME financing system and guide the flow of funds to SMEs. The German government's institutional arrangement for SME financing not only improves the market failure in market operation, but also improves the efficiency of resource allocation in the process of saving-investment transformation, which truly reflects the essence of financial services in the development of real economy. Relying on the developed banking system, Germany, on the basis of the long-term and stable allocation of resources of the German commercial banks, built a commercial banking system as the core to finance the banks. The guarantee bank and the social credit information system are supplemented by the small and medium-sized enterprises financing supply system. Through a series of effective institutional arrangements, Germany has brought into full play the differential and complementary functions of several sub-systems, strengthened the coordination and integration within each sub-system, and improved the smooth channels of capital supply. Improved the German small and medium-sized enterprises to deal with the macroeconomic situation unfavorable change ability. From the point of view of the actual situation of German financial system, this paper analyzes the financing system of small and medium-sized enterprises in Germany, studies the role of German government in the financing of small and medium-sized enterprises in Germany, and how to solve the financing problems of small and medium-sized enterprises in a country. And then promote the healthy development of small and medium-sized enterprises to provide reference.
【学位授予单位】：中国社会科学院研究生院
【学位级别】：博士
【学位授予年份】：2017
【分类号】：F276.3;F275
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本文编号：1868570