本文選題：金融共生　切入點：銀企關(guān)系　出處：《湖南大學(xué)》2012年碩士論文　論文類型：學(xué)位論文

【摘要】：我國中小企業(yè)數(shù)目龐大、涉及各行各業(yè)，為促進(jìn)就業(yè)、發(fā)展經(jīng)濟(jì)、引領(lǐng)科技創(chuàng)新和穩(wěn)定社會發(fā)揮了不可替代的作用，對國民經(jīng)濟(jì)增長和社會和諧發(fā)展具有重要意義。當(dāng)前，國內(nèi)外經(jīng)濟(jì)形勢復(fù)雜多變，融資難仍是屹立在中小企業(yè)發(fā)展前進(jìn)道路上的一塊巨石。 本文在研讀了國內(nèi)外相關(guān)文獻(xiàn)的基礎(chǔ)上，比較了在中小企業(yè)貸款方面的大銀行優(yōu)勢論和小銀行優(yōu)勢論�？紤]到我國的金融資源主要集中于大型商業(yè)銀行，，如何有效暢通地將大銀行的資金引入到中小企業(yè)的生存發(fā)展過程中，是緩解中小企業(yè)融資困境及開辟大銀行新的利潤來源的焦點問題。共生理論試著從一個微觀與宏觀相結(jié)合的角度來分析生物界中種屬與種屬之間、種屬與環(huán)境之間的共生作用及規(guī)律。銀企之間存在共生關(guān)系，因此可以用共生理論的分析方法，探索銀企共生系統(tǒng)的共生現(xiàn)狀和共生前景。 本文廣泛搜集數(shù)據(jù)，分別以共生單元、共生模式、共生環(huán)境為角度，清晰地呈現(xiàn)了我國大銀行和中小企業(yè)的共生現(xiàn)狀，并運用共生理論的研究方法，輔以Eviews6.0軟件包進(jìn)行數(shù)據(jù)處理，實證分析了某大銀行湖南省分行的中小企業(yè)信貸狀況，驗證了我國大銀行和中小企業(yè)當(dāng)前的共生模式不是最穩(wěn)定、最有效率的共生模式，并發(fā)現(xiàn)了影響共生模式進(jìn)化的一些因素。然后借鑒生物學(xué)的相關(guān)研究方法，構(gòu)造了我國大銀行和中小企業(yè)共生的Logistic成長方程，求得了我國大銀行和中小企業(yè)達(dá)到互惠連續(xù)穩(wěn)定共生所需要的條件。 最后在前述分析研究的基礎(chǔ)上，在遵循理論可循和實踐可行的原則下，分別從共生單元、共生模式、共生環(huán)境三個方面提出了促進(jìn)我國大銀行和中小企業(yè)共生關(guān)系向著理想共生狀態(tài)發(fā)展的政策建議。
[Abstract]:The large number of small and medium-sized enterprises in China, involving various industries, has played an irreplaceable role in promoting employment, developing the economy, leading scientific and technological innovation and stabilizing the society. It is of great significance to the growth of the national economy and the harmonious development of the society. Domestic and foreign economic situation is complex and changeable, financing difficulty is still standing in the development of small and medium-sized enterprises on the road of a huge stone. Based on the study of domestic and foreign literature, this paper compares the advantage theory of large banks with that of small banks in lending to small and medium-sized enterprises. Considering that the financial resources of our country are mainly concentrated in large commercial banks, How to effectively and smoothly introduce the funds of large banks into the survival and development process of small and medium-sized enterprises, The symbiosis theory tries to analyze the relationship between species and species in the biological world from a micro and macro perspective. There is a symbiotic relationship between banks and enterprises, so the symbiotic status and prospect of the symbiotic system of banks and enterprises can be explored by using the method of symbiotic theory. In this paper, we collect the data extensively, take symbiotic unit, symbiotic model, symbiotic environment as the angle, clearly present the symbiotic status of large banks and small and medium-sized enterprises in our country, and use the research method of symbiotic theory. With the help of Eviews6.0 software package for data processing, this paper empirically analyzes the credit situation of small and medium-sized enterprises in a large bank in Hunan province, and verifies that the current symbiotic model between large banks and small and medium-sized enterprises in China is not the most stable and efficient symbiotic model. Some factors affecting the evolution of symbiotic model are found. Then the Logistic growth equation of symbiosis between large banks and small and medium-sized enterprises in China is constructed by using the relevant research methods of biology. The conditions for the mutual benefit, continuous and stable symbiosis between the large banks and the small and medium-sized enterprises in China are obtained. Finally, on the basis of the foregoing analysis and research, under the principle of following the theory and practical feasibility, from the symbiotic unit, symbiotic model, Three aspects of symbiotic environment are put forward to promote the development of symbiotic relationship between large banks and small and medium-sized enterprises into an ideal symbiotic state.
【學(xué)位授予單位】：湖南大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F832.3;F276.3

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