發(fā)布時間：2018-04-13 14:19

  本文選題：小微企業(yè)融資 + 小額貸款公司　； 參考：《河北大學》2013年碩士論文

【摘要】：小微企業(yè)融資難問題一直是我國政府、機構(gòu)、企業(yè)、媒體等各界關(guān)注的焦點之一，國家和地方政府不斷出臺各種政策鼓勵為小微企業(yè)提供貸款服務(wù)。小額貸款公司作為主要面向“三農(nóng)”和小微企業(yè)提供信貸服務(wù)的機構(gòu)，自試點以來一直受到社會各界的高度關(guān)注，成為緩解小微企業(yè)融資難題的一條重要渠道，，小額貸款公司也正成為決策層推動小型金融機構(gòu)發(fā)展、規(guī)范小額貸款公司市場、緩解小微企業(yè)融資難的重要突破口和著力點。在河北省融資環(huán)境依舊偏緊的形勢下，越來越多的小微企業(yè)轉(zhuǎn)向小額貸款公司尋求資金融通，研究探討小額貸款公司對于緩解小微企業(yè)融資困難問題作用機制問題具有重要意義。 全文共分五個部分，第一部分是緒論，介紹本文的研究背景、研究目的、小微企業(yè)融資相關(guān)理論、研究方法和本文的創(chuàng)新點。第二部分為小微企業(yè)融資難的表現(xiàn)分析，在小微企業(yè)明確分類的基礎(chǔ)上，總結(jié)了小微企業(yè)的融資特點，并對河北省小微企業(yè)及小額貸款公司的特點加以歸納。最后對小微企業(yè)融資困難的成因進行了分析，從經(jīng)濟、制度、企業(yè)自身等不同角度做出說明。論文第三部分總結(jié)了河北省目前對于小額貸款公司相關(guān)政策，對河北省小額貸款公司緩解小微企業(yè)融資困難的作用及機制做出分析，該部分又可分為理論分析和實證分析。第四分部介紹影響小額貸款公司積極發(fā)揮融資渠道作用的主要因素，如小額貸款公司監(jiān)管制度不完善、利率上限、融資渠道有限等。在此基礎(chǔ)上，本文結(jié)合河北省情況提出合理建議，如推進河北省小額貸款公司監(jiān)管制度進一步完善，建立小額貸款公司小微企業(yè)共同分擔風險的機制，建立金融風險防控體系等。論文的最后一部分是研究結(jié)論及展望，指出本研究的主要結(jié)論、不足及將來需進一步研究的方向。 本文雖運用各種研究方法對小額貸款公司與小微企業(yè)融資進行分析和評價，但調(diào)查小額貸款公司數(shù)量少，限論文篇幅，分析還不夠深入、全面，所提建議的可行性、操作性等可能受到質(zhì)疑。今后在研究過程中要積累充足數(shù)據(jù)，進一步引進定量分析方法，更為嚴謹?shù)卣撟C河北省小微企業(yè)與小額貸款公司作用機制等內(nèi)在聯(lián)系。
[Abstract]:The financing problem of small and micro enterprises has been one of the focus of our government, institutions, enterprises, media and other sectors. The state and local governments continue to introduce a variety of policies to encourage small and micro enterprises to provide loan services.As an organization that mainly provides credit services to "agriculture, rural areas" and small and micro enterprises, microfinance companies have been highly concerned by all walks of life since the pilot project, and have become an important channel to alleviate the financing problems of small and micro enterprises.Microfinance companies are also becoming an important breakthrough and focus for the decision-making level to promote the development of small financial institutions, regulate the market of microfinance companies, ease the financing difficulties of small and micro enterprises.Under the still tight financing environment in Hebei Province, more and more small and micro enterprises turn to microfinance companies to seek financing.It is of great significance to study the mechanism of microfinance companies to alleviate the financing difficulties of small and micro enterprises.This paper is divided into five parts. The first part is the introduction, which introduces the research background, research purpose, financing theory of small and micro enterprises, research methods and innovative points of this paper.The second part is the performance analysis of financing difficulties of small and micro enterprises. On the basis of the clear classification of small and micro enterprises, this paper summarizes the financing characteristics of small and micro enterprises, and sums up the characteristics of small and micro enterprises and small loan companies in Hebei Province.Finally, the causes of financing difficulties of small and micro enterprises are analyzed, from different angles such as economy, institution and enterprises themselves.The third part of the paper summarizes the relevant policies of microfinance companies in Hebei Province, and analyzes the role and mechanism of microfinance companies in alleviating the financing difficulties of small and micro enterprises, which can be divided into theoretical analysis and empirical analysis.The fourth part introduces the main factors that influence microfinance companies to play an active role in financing channels, such as the imperfect regulatory system of microfinance companies, interest rate ceiling, limited financing channels and so on.On this basis, this paper puts forward some reasonable suggestions according to the situation of Hebei Province, such as promoting the further improvement of the supervision system of Hebei micro-loan companies and establishing a mechanism of sharing risks among small and micro enterprises of micro-credit companies.Establish financial risk prevention and control system.The last part of the paper is the conclusion and prospect of the research, pointing out the main conclusions of this study, shortcomings and the future direction of further research.Although this paper uses various research methods to analyze and evaluate the financing of micro-credit companies and micro-enterprises, but the number of micro-credit companies is small, the length of papers is limited, the analysis is not deep enough, comprehensive, and the feasibility of the proposed recommendations.Maneuverability may be questioned.In the future, sufficient data should be accumulated in the course of research, quantitative analysis methods should be introduced, and the internal relations between small and micro enterprises and small loan companies in Hebei Province should be demonstrated more rigorously.
【學位授予單位】：河北大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F275;F832.39

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