廣西小微企業(yè)金融支持問題研究
發(fā)布時間：2019-06-28 11:20
【摘要】：隨著我國經(jīng)濟(jì)的快速發(fā)展和社會主義市場經(jīng)濟(jì)體系的不斷完善，小微企業(yè)對社會經(jīng)濟(jì)發(fā)展的作用已經(jīng)越來越不容忽視。小微企業(yè)加快推動了我國工業(yè)化、城鎮(zhèn)化進(jìn)程,并且對促進(jìn)區(qū)域經(jīng)濟(jì)發(fā)展、提供就業(yè)崗位、減小貧富差距、維持社會穩(wěn)定小微企業(yè)也發(fā)揮著舉足輕重的作用。同時小微企業(yè)有著很強的創(chuàng)造能力，開發(fā)了許多新產(chǎn)品，并推入市場，改善了居民的生活水平。隨著2010年國家宏觀調(diào)控，銀行收縮銀根，國際經(jīng)濟(jì)形勢撲朔迷離，小微企業(yè)普遍面臨一些困難，比如原材料價格波動大，利率的上漲，人民幣的升值，，用工成本的上升等，導(dǎo)致大批小微企業(yè)資金鏈斷裂，或倒閉，或在倒閉的邊緣，其他小微企業(yè)往日的生機(jī)也已不再，因此波及到上下游企業(yè)，使整個產(chǎn)業(yè)鏈條面臨困境。由此可見小微企業(yè)融資問題迫在眉睫。 廣西處于西部地區(qū)，經(jīng)濟(jì)發(fā)展較為落后，小微企業(yè)眾多，因此要摒棄“抓大放小”的觀念，加快促進(jìn)小微企業(yè)的發(fā)展，充分發(fā)揮其促進(jìn)國民經(jīng)濟(jì)發(fā)展、增加就業(yè)崗位、促進(jìn)社會和諧等的作用。本文首先研究了國內(nèi)外關(guān)于小微企業(yè)融資的理論和文獻(xiàn)。以此為基礎(chǔ)，本文深入分析了廣西小微企業(yè)的發(fā)展?fàn)顩r、融資情況，結(jié)合了大量的數(shù)據(jù)，從小微企業(yè)內(nèi)部發(fā)展和融資環(huán)境兩個方向深入分析了廣西小微企業(yè)面臨融資困境的主要原因。同時本文深入剖析了美國、日本、韓國針對小微企業(yè)融資難題發(fā)展的支持體系。根據(jù)以上研究，廣西小微企業(yè)的融資困境主要有兩個方面的原因：一是小微企業(yè)自身發(fā)展不足，難以吸引商業(yè)化金融機(jī)構(gòu)的關(guān)注。二是金融體系不完善，金融體制、法律、政策法規(guī)等不健全，不適應(yīng)小微企業(yè)的融資特點。因此，為解決廣西小微企業(yè)融資困境，首先小微企業(yè)要完善自身發(fā)展經(jīng)營狀況，建立和健全財務(wù)制度和信息披露制度，提高企業(yè)員工的綜合素質(zhì)，加快產(chǎn)品研發(fā)和創(chuàng)新能力。再者，小微企業(yè)要提高自身Qg源融資的能力，努力運用資本市場上金融工具，拓寬企業(yè)的外源資金來源。最后廣西政府應(yīng)該進(jìn)一步完善小微企業(yè)融資相關(guān)的法律法規(guī)，保障利益相關(guān)者的權(quán)益；完善小微企業(yè)金融支持體系；利用優(yōu)惠政策，鼓勵和引導(dǎo)商業(yè)金融機(jī)構(gòu)開展針對小微企業(yè)的金融服務(wù)；規(guī)范和引導(dǎo)民間金融，充分發(fā)揮其資源配資的效率；建立和完善政策性擔(dān)保體系和商業(yè)擔(dān)保體系，為小微企業(yè)融資提供全方位的創(chuàng)新性的擔(dān)保服務(wù)。
[Abstract]:With the rapid development of China's economy and the continuous improvement of the socialist market economy system, the role of microenterprises in the development of social and economic development has become more and more important. The small and micro-enterprises have accelerated the process of industrialization and urbanization in our country, and played an important role in promoting regional economic development, providing jobs, reducing the gap between the rich and the poor and maintaining social stability. At the same time, the small micro-enterprise has strong creative ability, has developed many new products and pushed into the market to improve the living standard of the residents. With the macro-control of the country in 2010, the bank has contracted the silver root, and the international economic situation is very confusing. The small and micro-enterprises are generally faced with some difficulties, such as the large fluctuation of the price of raw materials, the rise of the interest rate, the appreciation of the RMB, the rise of the labor cost, etc., leading to a large number of small and micro-enterprise fund chains to break, Or at the edge of the collapse, or at the edge of the collapse, the former vitality of other small and micro-enterprises is no longer, thus affecting the upstream and downstream enterprises, so that the whole industrial chain is in a difficult position. It can be seen that the financing problem of the small micro-enterprise is urgent. In the western part of Guangxi, the economic development is backward and the small and micro-enterprises are numerous, so it is necessary to abandon the concept of the "to take a big shot", to accelerate the development of the small and micro-enterprise, to give full play to the development of the national economy, to increase the employment position and to promote the social harmony. In this paper, the paper first studies the theory and text of the financing of small and micro-enterprises at home and abroad On the basis of this, this paper deeply analyses the development situation and financing situation of the small and micro-enterprises in Guangxi, and combines a large amount of data, and analyzes the main factors of the financing dilemma of the small and micro-enterprises in Guangxi from two directions of the internal development and the financing environment of the small micro-enterprises. At the same time, the paper deeply analyses the support of the development of the financing problem of small-scale enterprises in the United States, Japan and Korea. According to the above research, the financing dilemma of the small micro-enterprises in Guangxi has two main reasons: firstly, the small micro-enterprise has insufficient development, and it is difficult to attract the close of the commercial financial institution The second is that the financial system is not perfect, the financial system, the law and the policy and regulations are not sound, and the financing of the small micro-enterprise is not met. Therefore, in order to solve the financing dilemma of the small micro-enterprises in Guangxi, the small and micro-enterprises should improve their own development and operation situation, establish and perfect the financial system and information disclosure system, improve the comprehensive quality of the enterprise employees, and accelerate the research and development and innovation of the products. In addition, the small micro-enterprise should improve the ability of its own Qg source financing, try to use the financial instruments in the capital market, and expand the foreign capital of the enterprise The government of Guangxi should further improve the laws and regulations related to the financing of the small and micro-enterprises, safeguard the rights and interests of the stakeholders, and improve the financial support system of the small and micro-enterprises, and encourage and guide the commercial financial institutions to carry out the financial services for the small and micro-enterprises by using the preferential policies. Service; regulate and guide the folk finance, give full play to the efficiency of its resource allocation; establish and perfect the policy guarantee system and the commercial guarantee system, and provide an all-round and innovative guarantee suit for the financing of the micro-enterprise
【學(xué)位授予單位】：廣西師范學(xué)院
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F279.27;F832.7
本文編號：2507261
[Abstract]:With the rapid development of China's economy and the continuous improvement of the socialist market economy system, the role of microenterprises in the development of social and economic development has become more and more important. The small and micro-enterprises have accelerated the process of industrialization and urbanization in our country, and played an important role in promoting regional economic development, providing jobs, reducing the gap between the rich and the poor and maintaining social stability. At the same time, the small micro-enterprise has strong creative ability, has developed many new products and pushed into the market to improve the living standard of the residents. With the macro-control of the country in 2010, the bank has contracted the silver root, and the international economic situation is very confusing. The small and micro-enterprises are generally faced with some difficulties, such as the large fluctuation of the price of raw materials, the rise of the interest rate, the appreciation of the RMB, the rise of the labor cost, etc., leading to a large number of small and micro-enterprise fund chains to break, Or at the edge of the collapse, or at the edge of the collapse, the former vitality of other small and micro-enterprises is no longer, thus affecting the upstream and downstream enterprises, so that the whole industrial chain is in a difficult position. It can be seen that the financing problem of the small micro-enterprise is urgent. In the western part of Guangxi, the economic development is backward and the small and micro-enterprises are numerous, so it is necessary to abandon the concept of the "to take a big shot", to accelerate the development of the small and micro-enterprise, to give full play to the development of the national economy, to increase the employment position and to promote the social harmony. In this paper, the paper first studies the theory and text of the financing of small and micro-enterprises at home and abroad On the basis of this, this paper deeply analyses the development situation and financing situation of the small and micro-enterprises in Guangxi, and combines a large amount of data, and analyzes the main factors of the financing dilemma of the small and micro-enterprises in Guangxi from two directions of the internal development and the financing environment of the small micro-enterprises. At the same time, the paper deeply analyses the support of the development of the financing problem of small-scale enterprises in the United States, Japan and Korea. According to the above research, the financing dilemma of the small micro-enterprises in Guangxi has two main reasons: firstly, the small micro-enterprise has insufficient development, and it is difficult to attract the close of the commercial financial institution The second is that the financial system is not perfect, the financial system, the law and the policy and regulations are not sound, and the financing of the small micro-enterprise is not met. Therefore, in order to solve the financing dilemma of the small micro-enterprises in Guangxi, the small and micro-enterprises should improve their own development and operation situation, establish and perfect the financial system and information disclosure system, improve the comprehensive quality of the enterprise employees, and accelerate the research and development and innovation of the products. In addition, the small micro-enterprise should improve the ability of its own Qg source financing, try to use the financial instruments in the capital market, and expand the foreign capital of the enterprise The government of Guangxi should further improve the laws and regulations related to the financing of the small and micro-enterprises, safeguard the rights and interests of the stakeholders, and improve the financial support system of the small and micro-enterprises, and encourage and guide the commercial financial institutions to carry out the financial services for the small and micro-enterprises by using the preferential policies. Service; regulate and guide the folk finance, give full play to the efficiency of its resource allocation; establish and perfect the policy guarantee system and the commercial guarantee system, and provide an all-round and innovative guarantee suit for the financing of the micro-enterprise
【學(xué)位授予單位】：廣西師范學(xué)院
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F279.27;F832.7
【參考文獻(xiàn)】
相關(guān)期刊論文 前10條
1 王清剛;王靈寧;;《小企業(yè)會計制度》實施情況分析[J];財會通訊;2011年25期
2 石琴;中小企業(yè)融資:現(xiàn)狀分析與模式構(gòu)建[J];財經(jīng)理論與實踐;2004年02期
3 陳堅;;韓國銀行開展中小企業(yè)信貸業(yè)務(wù)的實踐及其借鑒意義[J];金融論壇;2006年05期
4 楊毅;;關(guān)系型信貸“軟信息”與中小企業(yè)融資績效——基于廣西中小企業(yè)樣本數(shù)據(jù)的實證分析[J];財會月刊;2012年23期
5 莫可揚;;當(dāng)前廣西“小微”企業(yè)發(fā)展面臨的問題與思考[J];廣西經(jīng)濟(jì);2012年01期
6 李連恒;甘平;;對廣西中小企業(yè)信用擔(dān)保業(yè)的分析與思考[J];征信;2010年01期
7 畢家新;;美國征信體系模式及其啟示[J];征信;2010年02期
8 時旭輝;;民營企業(yè)的融資困境及其對策[J];經(jīng)濟(jì)管理;2004年07期
9 鐘偉強;;小微企業(yè)貸款創(chuàng)新模式研究[J];經(jīng)濟(jì)視角(中旬);2011年09期
10 盧卓;;小微企業(yè)融資現(xiàn)狀、國際借鑒與路徑選擇[J];科技經(jīng)濟(jì)市場;2012年06期
相關(guān)碩士學(xué)位論文 前2條
1 崔靜靜;小微企業(yè)融資行為研究[D];蘭州大學(xué);2011年
2 韓楊;小微企業(yè)融資問題與對策研究[D];吉林大學(xué);2012年
本文編號：2507261
本文鏈接：http://sikaile.net/guanlilunwen/bankxd/2507261.html
最近更新
教材專著
