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

【摘要】：中小微企業(yè)是國(guó)民經(jīng)濟(jì)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(chǎng)經(jīng)濟(jì)的發(fā)展,中小微企業(yè)在提供就業(yè)、增加稅收、出口、促進(jìn)GDP增長(zhǎng)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(jìn)其發(fā)展的重要?jiǎng)恿�。然而小微企業(yè)出于種種原因往往會(huì)存在融資瓶頸問題,一些學(xué)者也曾多次提出,由于金融體制的不健全,盡管國(guó)有部門對(duì)經(jīng)濟(jì)增長(zhǎng)的貢獻(xiàn)率約為40%,貸款卻占到金融機(jī)構(gòu)貸款總量的80%,而大量以小微企業(yè)為主的民營(yíng)企業(yè)對(duì)經(jīng)濟(jì)增長(zhǎng)的貢獻(xiàn)率約為60%,其貸款卻只占到正規(guī)金融機(jī)構(gòu)貸款總量的不到20%,全國(guó)1100多萬家在工商局注冊(cè)的中小微企業(yè),跟銀行有信貸關(guān)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(guó)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(guó)家稅收總額的一半左右。據(jù)銀監(jiān)會(huì)的測(cè)算,我國(guó)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(duì)江蘇中小微企業(yè)融資現(xiàn)狀及需求特征的實(shí)地調(diào)查分析,運(yùn)用二元Probit選擇模型對(duì)中小微企業(yè)從商業(yè)銀行獲得貸款的障礙因素進(jìn)行實(shí)證分析。同時(shí),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(jìn)行對(duì)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(dá)到“雙贏”的效果,并在此基礎(chǔ)上提出切實(shí)可行的對(duì)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(xué)位授予單位】：南京農(nóng)業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F276.3;F832.4

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