本文關(guān)鍵詞： 中小私營企業(yè) 銀行融資 信貸配給　出處：《華東理工大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

【摘要】：改革開放以來,私營經(jīng)濟在國民體系中發(fā)揮了巨大的作用,在我國私營企業(yè)的主體是中小企業(yè)。但是,資金不足仍然是制約我國中小私營企業(yè)進一步發(fā)展的最主要障礙。在各種融資方式中,銀行貸款因其低利率等優(yōu)點成為企業(yè)間接融資的首選。但在信息不對稱的市場環(huán)境下,銀行往往會對中小私營企業(yè)實施“惜貸”政策。其中,企業(yè)自身特征是導(dǎo)致該現(xiàn)象的重要原因。 基于以上的實際情況,本文在對中小私營企業(yè)基本概念進行界定的基礎(chǔ)上,借鑒前人的研究成果,有針對性地分析了信貸配給政策下,中小私營企業(yè)自身特征對于取得銀行貸款的影響,并得到一些有意義的結(jié)論。本文設(shè)立貸款數(shù)量和擔(dān)保品價值作為銀行貸款條件,在現(xiàn)有綜合模型的基礎(chǔ)上構(gòu)建理論模型,分析了信用評級、企業(yè)規(guī)模、信息透明度以及借款時間等對銀行融資的影響。并以深圳中小企業(yè)板上市私營企業(yè)作為實證研究對象,以2010年財務(wù)截面數(shù)據(jù)為基礎(chǔ)進行了中小企業(yè)貸款因素的實證分析。 本文研究表明,企業(yè)自身特征因素對于獲取銀行貸款具有重大影響,且不同特質(zhì)對于短期貸款和長期貸款的影響存在差異性。在與中小非私營企業(yè)相比中,中小私企的劣勢主要體現(xiàn)在了長期貸款上。在促進中小私營企業(yè)獲得銀行貸款的問題上,企業(yè)需要通過一系列轉(zhuǎn)變使得自身滿足銀行的貸款要求,而國家需要完善金融體制,以更多的扶持手段增加中小私企長期發(fā)展資金的供給。
[Abstract]:Since the reform and opening up, the private economy has played a great role in the national system, the main body of private enterprises in China is small and medium-sized enterprises. The shortage of funds is still the main obstacle to the further development of small and medium-sized private enterprises in China. Bank loan is the first choice of indirect financing for enterprises because of its low interest rate. However, in the market environment of asymmetric information, banks often implement the policy of "sparing loans" to small and medium-sized private enterprises. Enterprise's own characteristic is the important reason that causes this phenomenon. Based on the above actual situation, this paper defines the basic concepts of small and medium-sized private enterprises, draw on the previous research results, targeted analysis of the credit rationing policy. The characteristics of small and medium-sized private enterprises to obtain bank loans, and get some meaningful conclusions. This paper set up the amount of loans and collateral value as bank loan conditions. On the basis of the existing comprehensive model, this paper constructs a theoretical model, analyzes the credit rating, enterprise size. The impact of information transparency and borrowing time on bank financing. Based on the financial cross section data of 2010, this paper makes an empirical analysis on the loan factors of SMEs. The research shows that the characteristic factors of enterprises have a significant impact on obtaining bank loans, and different characteristics have different effects on short-term loans and long-term loans, compared with small and medium-sized non-private enterprises. The disadvantages of small and medium-sized private enterprises are mainly reflected in long-term loans. In order to promote small and medium-sized private enterprises to obtain bank loans, enterprises need to make themselves meet the loan requirements of banks through a series of changes. The state needs to improve the financial system and increase the supply of long-term development funds for small and medium-sized private enterprises.
【學(xué)位授予單位】：華東理工大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F276.5;F832.4

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