本文選題：中小企業(yè) + 融資政策��； 參考：《復旦大學》2013年碩士論文

【摘要】：中小型企業(yè)是我國經(jīng)濟增長的重要動力,中小企業(yè)在全球的經(jīng)濟發(fā)展中常常成為吸納高新技術(shù)和科技創(chuàng)新的“試驗田”,成為經(jīng)濟結(jié)構(gòu)調(diào)整的“排頭兵”,因此,中小企業(yè)戰(zhàn)略地位受到各國政府的重視,在國民經(jīng)濟發(fā)展中起著戰(zhàn)略性作用。中國作為全球最大的發(fā)展中國家,目前處在政府職能轉(zhuǎn)變和后金融危機下經(jīng)濟結(jié)構(gòu)調(diào)整的關(guān)鍵時期,中小企業(yè)的地位和作用更是突出。中小企業(yè)的生存和發(fā)展是關(guān)系到中國經(jīng)濟能否持續(xù)發(fā)展的關(guān)鍵。中小企業(yè)資金短缺和融資難問題,日益成為制約其發(fā)展的瓶頸,而我國融資政策的改革是解決這個瓶頸問題的關(guān)鍵,必須改革計劃經(jīng)濟時期遺留下來的以固定資產(chǎn)作融資擔保的做法,改成以“償還能力”為融資與否的衡量標準,這種融資政策的改革才是解決中小企業(yè)融資難的根本措施。 為了促進我國中小企業(yè)的健康發(fā)展,保證我國經(jīng)濟結(jié)構(gòu)調(diào)整的順利進行,必須盡快解決中小企業(yè)融資難的瓶頸問題,本文認為：中小企業(yè)融資政策建設的核心是融資政策的改革,構(gòu)建一個高效的中小企業(yè)融資政策體系是融資政策改革保證的關(guān)鍵。從公共管理的視角出發(fā),要建立一個高效的中小企業(yè)融資政策體系,融資政策的改變是不可回避的,因為融資政策是建立中小企業(yè)融資體系的核心,也是各國政府解決融資問題的指導方針,更是與公共管理專業(yè)的契合點。 通過本文,就我國中小企業(yè)融資政策體系建設的現(xiàn)狀及其變革的深層原因展開研究,這些原因包括中小企業(yè)融資制度和融資環(huán)境等方面,在構(gòu)建中小企業(yè)融資政策體系上,結(jié)合我國國情,通過借鑒美國日本等發(fā)達國家的先進方法經(jīng)驗,提出幾點政策建議,如發(fā)展多層次的資本市場,對“熱錢”嘗試性地轉(zhuǎn)變態(tài)度,完善征信建設,研究對“影子銀行”的監(jiān)管等,希望能夠有益于從根本上解決中小企業(yè)融資難題,真正擺脫我國中小企業(yè)融資困境,從而使中小企業(yè)充分施展在我國國民經(jīng)濟中的獨特魅力,為我國的經(jīng)濟穩(wěn)步健康可持續(xù)發(fā)展做出應有的貢獻。
[Abstract]:Small and medium-sized enterprises (SMEs) are an important driving force for China's economic growth. In the global economic development, small and medium-sized enterprises (SMEs) have often become "experimental fields" for absorbing high-tech and scientific and technological innovations, and "vanguard" for economic restructuring. The strategic position of small and medium-sized enterprises (SMEs) is valued by the governments of all countries and plays a strategic role in the development of national economy. As the largest developing country in the world, China is now in the key period of the transformation of government functions and the adjustment of economic structure under the post-financial crisis, and the status and role of small and medium-sized enterprises are even more prominent. The survival and development of small and medium-sized enterprises is the key to the sustainable development of Chinese economy. The shortage of funds and the difficulty of financing for small and medium-sized enterprises have increasingly become the bottleneck restricting their development, and the reform of financing policy in China is the key to solve this bottleneck problem. It is necessary to reform the financing guarantee of fixed assets left over from the period of planned economy and change it to the criterion of "repayment ability" as the measure of financing or not. The reform of financing policy is the fundamental measure to solve the financing difficulties of small and medium-sized enterprises. In order to promote the healthy development of the small and medium-sized enterprises in our country and ensure the smooth progress of the economic restructuring of our country, we must solve the bottleneck problem of the financing difficulties of the small and medium-sized enterprises as soon as possible. This paper holds that the core of financing policy construction of SMEs is the reform of financing policy, and the key to guarantee the reform of financing policy is to construct an efficient financing policy system for SMEs. From the perspective of public management, to establish an efficient SME financing policy system, the change of financing policy is inevitable, because financing policy is the core of the establishment of SME financing system. It is also the guideline for governments to solve the financing problem, and the agreement with the public management profession. In this paper, the author studies the current situation of the construction of the financing policy system of SMEs in China and the deep reasons for its transformation, which include the financing system and financing environment of SMEs, and the construction of the financing policy system of SMEs. According to the national conditions of our country, by drawing lessons from the advanced methods and experiences of the developed countries such as the United States and Japan, this paper puts forward several policy suggestions, such as developing a multi-level capital market, trying to change attitude towards "hot money", and perfecting the construction of credit information. The research on the supervision of "shadow bank" is expected to be helpful to solve the financing problem of small and medium-sized enterprises fundamentally, to get rid of the financing predicament of small and medium-sized enterprises in China, and to make the small and medium-sized enterprises fully display their unique charm in our national economy. To our country's economy steady and healthy sustainable development makes the due contribution.
【學位授予單位】：復旦大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F275;F276.3

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