本文選題：中小微企業(yè)　切入點：融資　出處：《南京農(nóng)業(yè)大學》2013年碩士論文

【摘要】：中小微企業(yè)是國民經(jīng)濟的重要組成部分,在其發(fā)展過程中起著舉足輕重的作用,自改革開放以來,隨著市場經(jīng)濟的發(fā)展,中小微企業(yè)在提供就業(yè)、增加稅收、出口、促進GDP增長等各方面發(fā)揮著巨大的作用。在中小微企業(yè)的發(fā)展過程中,資金的有效供給是促進其發(fā)展的重要動力。然而小微企業(yè)出于種種原因往往會存在融資瓶頸問題,一些學者也曾多次提出,由于金融體制的不健全,盡管國有部門對經(jīng)濟增長的貢獻率約為40%,貸款卻占到金融機構貸款總量的80%,而大量以小微企業(yè)為主的民營企業(yè)對經(jīng)濟增長的貢獻率約為60%,其貸款卻只占到正規(guī)金融機構貸款總量的不到20%,全國1100多萬家在工商局注冊的中小微企業(yè),跟銀行有信貸關系的不到100萬戶,有近90%的小微企業(yè)根本貸不到款,占全國企業(yè)總數(shù)的99%以上,提供了約80%的城鎮(zhèn)就業(yè)崗位,納稅額占國家稅收總額的一半左右。據(jù)銀監(jiān)會的測算,我國銀行貸款主要投放給大中型企業(yè),大企業(yè)貸款覆蓋率為100%,中型企業(yè)為900%,小企業(yè)僅為20%,幾乎沒有微型企業(yè)1。 本文研究的主要目的是通過對江蘇中小微企業(yè)融資現(xiàn)狀及需求特征的實地調(diào)查分析,運用二元Probit選擇模型對中小微企業(yè)從商業(yè)銀行獲得貸款的障礙因素進行實證分析。同時,與江蘇省內(nèi)不同區(qū)域、類別和規(guī)模的商業(yè)銀行融資供給情況進行對比,找出企業(yè)需求與銀行供給的缺口,希望通過雙方的共同努力盡快達到“雙贏”的效果,并在此基礎上提出切實可行的對策建議。
[Abstract]:Small and medium-sized enterprises are an important part of the national economy and play an important role in its development. Since the reform and opening up, with the development of the market economy, small and medium-sized enterprises are providing employment, increasing taxes and exports. In the process of the development of small and medium-sized enterprises, the effective supply of funds is an important driving force to promote their development. However, for various reasons, there are financing bottlenecks in small and medium-sized enterprises. Some scholars have also pointed out many times that because of the imperfection of the financial system, Although the contribution rate of the state-owned sector to economic growth is about 40%, loans account for 80% of the total loans of financial institutions, while a large number of private enterprises, mainly small and micro enterprises, contribute about 60% to economic growth, but their loans only account for the formal amount of money. Less than 20% of the total loans made by financial institutions and more than 11 million small and medium enterprises registered with the Commerce and Industry Bureau throughout the country, Less than 1 million households have a credit relationship with banks, and nearly 90% of small and micro enterprises cannot borrow money at all, accounting for more than 99% of the total number of enterprises in the country, providing about 80% of urban jobs. The tax amount accounts for about half of the total national tax revenue. According to the CBRC's calculation, China's bank loans mainly go to large and medium-sized enterprises, with a loan coverage of 100 for large enterprises, 900 for medium-sized enterprises, and only 20 for small enterprises, with almost no microenterprises. The main purpose of this paper is to analyze the financing status and demand characteristics of small and medium-sized enterprises in Jiangsu Province, and to analyze the obstacles of obtaining loans from commercial banks by using the binary Probit selection model. Comparing with the financing supply situation of commercial banks in different regions, categories and scales in Jiangsu Province, to find out the gap between enterprise demand and bank supply, hoping to achieve a "win-win" effect as soon as possible through the joint efforts of both sides. On this basis, practical countermeasures and suggestions are put forward.
【學位授予單位】：南京農(nóng)業(yè)大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F276.3;F832.4

【參考文獻】

相關期刊論文 前10條

1 王玲;栗博;;中小企業(yè)融資中的銀企關系[J];銀行家;2007年09期

2 步國榮;李堅;丁慧;;中小企業(yè)融資行為的現(xiàn)狀、特征及影響因素——基于�？谑�602家中小企業(yè)的樣本觀察[J];當代經(jīng)濟;2010年11期

3 鐘暉 ,張振佳 ,林紅;民營企業(yè)融資障礙及對策——以廈門市民營企業(yè)發(fā)展為例[J];發(fā)展研究;2005年10期

4 李永峰,張明慧,楊楠;現(xiàn)階段我國中小企業(yè)融資問題研究[J];工業(yè)技術經(jīng)濟;2004年01期

5 邵國良;王滿四;;中小民營企業(yè)融資渠道現(xiàn)狀與特征探析——以廣東實證分析為例[J];廣州大學學報(社會科學版);2007年06期

6 樓筱瑤;;農(nóng)村合作銀行對中小企業(yè)的金融支持探索[J];東方企業(yè)文化;2012年20期

7 杜焱;;經(jīng)濟轉型國家中小企業(yè)融資特征的影響因素分析[J];湖南商學院學報;2007年01期

8 李長友,彭志剛;“囚徒困境”與中小企業(yè)金融支持[J];經(jīng)濟導刊;2004年02期

9 周月書;;縣域中小企業(yè)融資結構變化剖析——基于江蘇吳江和常熟的問卷調(diào)查[J];現(xiàn)代經(jīng)濟探討;2010年11期

10 魯?shù)?肖華榮;;銀行市場競爭結構、信息生產(chǎn)和中小企業(yè)融資[J];金融研究;2008年05期

，

本文編號：1661977