本文關(guān)鍵詞： 政策性銀行 轉(zhuǎn)型 小微企業(yè) 融資　出處：《湖北工業(yè)大學(xué)》2012年碩士論文　論文類型：學(xué)位論文

【摘要】：小微企業(yè)在科技創(chuàng)新、活躍市場(chǎng)、增加就業(yè)、方便人民生活等方面發(fā)揮無(wú)可替代的重要作用，對(duì)國(guó)民經(jīng)濟(jì)的貢獻(xiàn)率與日俱增，但這并未改變其弱勢(shì)群體地位，融資難題始終存在。在全球金融危機(jī)陰霾尚未消散的背景下，眾多小微企業(yè)尚未走出市場(chǎng)萎縮、資金鏈斷裂的考驗(yàn)，2011年至今央行的信貸緊縮政策進(jìn)一步惡化了小微企業(yè)的生存狀況，資金供求矛盾更加突出。另一方面，以國(guó)家開發(fā)銀行為代表的政策性銀行在市場(chǎng)化轉(zhuǎn)型進(jìn)程中，面對(duì)功能定位、資金來(lái)源、運(yùn)作方式、業(yè)務(wù)領(lǐng)域等方面的突出問題和發(fā)展瓶頸，也必須創(chuàng)新經(jīng)營(yíng)理念、轉(zhuǎn)變發(fā)展方式和經(jīng)營(yíng)模式，尋求新的經(jīng)濟(jì)增長(zhǎng)點(diǎn)。 本文結(jié)合前人的調(diào)查研究成果，，并在參閱相關(guān)文獻(xiàn)的基礎(chǔ)上，對(duì)我國(guó)小微企業(yè)融資難問題進(jìn)行了分析，同時(shí)對(duì)政策性銀行開展小微型企業(yè)融資現(xiàn)狀和存在的問題進(jìn)行了剖析，并對(duì)我國(guó)政策性銀行支持小微企業(yè)的必要性與可行性進(jìn)行了探析，在此基礎(chǔ)上，本文借鑒國(guó)外政策性銀行支持小微企業(yè)的成功經(jīng)驗(yàn)，從政府及政策性銀行兩個(gè)層面，提出了市場(chǎng)化轉(zhuǎn)型期政策性銀行在解決小微型企業(yè)融資難問題上的相關(guān)建議。
[Abstract]:Small and micro enterprises play an irreplaceable role in science and technology innovation, active market, increase employment, convenient people's life and so on. The contribution rate to the national economy is increasing day by day, but this has not changed their vulnerable group status. Financing problems always exist. In the context of the global financial crisis haze has not dissipated, many small and micro enterprises have not yet emerged from the market contraction, the test of capital chain break. Since 2011, the credit tightening policy of the central bank has further worsened the living conditions of small and micro enterprises, and the contradiction between supply and demand of funds is more prominent. On the other hand. In the process of market-oriented transformation, policy-oriented banks, represented by China Development Bank, face prominent problems and development bottlenecks in the aspects of function orientation, source of funds, operation mode, business field and so on. Also must innovate the management idea, change the development way and the management pattern, seeks the new economic growth point. Based on the previous investigation and research results, this paper analyzes the financing difficulties of small and micro enterprises in China on the basis of referring to the relevant literature. At the same time, the paper analyzes the current situation and existing problems of policy banks' financing of small and micro enterprises, and probes into the necessity and feasibility of supporting small and micro enterprises by policy banks in our country. This paper draws lessons from the successful experience of foreign policy banks to support small and micro enterprises, from the government and policy banks two levels. The paper puts forward some suggestions on how to solve the financing problem of small and micro enterprises by the policy banks in the period of market-oriented transformation.
【學(xué)位授予單位】：湖北工業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F276.3;F832.4

【引證文獻(xiàn)】

相關(guān)碩士學(xué)位論文 前2條

1 王天驕;小微企業(yè)融資困境及對(duì)策研究[D];吉林大學(xué);2013年

2 賀蕾;轉(zhuǎn)型背景下農(nóng)發(fā)行QY分行中小企業(yè)信貸風(fēng)險(xiǎn)管理研究[D];蘭州大學(xué);2013年

本文編號(hào)：1473116