本文選題：小微企業(yè) + 財政與金融有效對接��； 參考：《太原科技大學(xué)》2013年碩士論文

【摘要】：改革開放至今，經(jīng)過三十多年的發(fā)展，我國小微企業(yè)在經(jīng)濟浪潮中，不斷的發(fā)展壯大。作為商品經(jīng)濟的必然產(chǎn)物，我國小微企業(yè)能不斷的適應(yīng)市場的千變?nèi)f化，表現(xiàn)出了頑強的生命力，當(dāng)前已經(jīng)占據(jù)了我國國民經(jīng)濟的“半壁江山”。 小微企業(yè)在整個經(jīng)濟發(fā)展中起到了不可忽視的作用。但是隨著國際金融市場的持續(xù)低迷，小微企業(yè)的融資難問題顯得越來越突出。近幾年來，國內(nèi)外學(xué)者對小微企業(yè)的融資困境不斷的深入研究，取得了很大成就，有些方法也被我國政府所采納，然而這些學(xué)者們的建議還是不能從根本上解決我國小微企業(yè)的融資困境。鑒于此，本文通過對美國、日本、韓國、德國四個國家的小微企業(yè)融資模式的比較，并由國外這些國家的小微企業(yè)融資模式對我國的啟示指出了財政介入我國小微企業(yè)融資的必要性和可行性。同時在文章中建立財政與金融有效對接模式下金融機構(gòu)與小微企業(yè)的演化博弈模型。進(jìn)一步驗證了財政介入小微企業(yè)的融資之后，通過財政與金融的有效對接，在財政的引導(dǎo)作用下，金融機構(gòu)向業(yè)績好的小微企業(yè)貸款的意愿增強，同時，在政府和金融機構(gòu)的雙重監(jiān)督下，小微企業(yè)也在想方設(shè)法的提升自己的經(jīng)營業(yè)績，，這樣無論是金融機構(gòu)還是政府和小微企業(yè)都將成為受益者。在財政與金融有效對接的小微企業(yè)的融資模式下，本文進(jìn)一步提出了培育優(yōu)質(zhì)的項目源、以大型企業(yè)為核心多個小微企業(yè)共同向銀行貸款的“N+1”授信融資模式、建立小微企業(yè)基金會等一系列的適合我國國情的建議，對于有效緩解我國小微企業(yè)融資困境起到了一個很好的作用。
[Abstract]:After more than 30 years of reform and opening up, small and micro enterprises in our country have been developing continuously in the economic tide.As the inevitable outcome of commodity economy, the small and micro enterprises of our country can adapt to the ever-changing market constantly, showing tenacious vitality, which has already occupied half of the national economy of our country at present.Small and micro enterprises have played an important role in the whole economic development.However, with the continuous downturn of international financial markets, the financing difficulties of small and micro enterprises are becoming more and more prominent.In recent years, scholars at home and abroad have made great achievements in studying the financing dilemma of small and micro enterprises, and some methods have been adopted by our government.However, these scholars' suggestions can not fundamentally solve the financing dilemma of small and micro enterprises in China.In view of this, this paper compares the financing models of small and micro enterprises in the United States, Japan, South Korea and Germany.The necessity and feasibility of financial intervention in the financing of small and micro enterprises in China are pointed out by the enlightenment of the financing mode of small and micro enterprises in foreign countries.At the same time, an evolutionary game model between financial institutions and small and micro enterprises is established in this paper.It further verifies the willingness of financial institutions to make loans to small and micro enterprises with good performance through the effective interface between finance and finance after financial intervention in financing of small and micro enterprises, and under the guidance of finance, the willingness of financial institutions to lend to small and micro enterprises with good performance is enhanced, at the same time,Under the dual supervision of the government and financial institutions, small and micro enterprises are also trying to improve their operating performance, so that both the financial institutions and the government and small and micro enterprises will be the beneficiaries.Under the financing mode of small and micro enterprises, which is effectively linked with finance and finance, this paper further puts forward a "N 1" credit financing model, in which large enterprises are the core of small and micro enterprises, and many small and micro enterprises make loans to banks.A series of suggestions suitable for the situation of our country, such as the foundation of small and micro enterprises, have played a good role in alleviating the financing dilemma of small and micro enterprises in China.
【學(xué)位授予單位】：太原科技大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F275;F276.3;F832.4

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