本文選題：中小銀行 + 科技型中小企業(yè)�。� 參考：《華中科技大學(xué)》2012年碩士論文

【摘要】：近年來，科技型中小企業(yè)得到了高速的發(fā)展，但是科技型中小企業(yè)自身具有“高投資、高收益、高風(fēng)險”等明顯行業(yè)特征，然而融資環(huán)境的惡劣使其發(fā)展?fàn)顩r不容樂觀。他們很難從金融體系獲得發(fā)展所需的資金支持。怎樣解決這個問題，發(fā)揮中小銀行的區(qū)位優(yōu)勢，提升科技型中小企業(yè)發(fā)展的融資環(huán)境，對于指導(dǎo)中國經(jīng)濟持續(xù)健康發(fā)展，保持經(jīng)濟增長活力具有重要的理論和現(xiàn)實意義。因此關(guān)于科技型中小企業(yè)的融資研究也越來越受到人們的廣泛關(guān)注。 本文在認(rèn)真梳理國內(nèi)外相關(guān)文獻的基礎(chǔ)上，從理論上系統(tǒng)闡述了科技型中小企業(yè)融資困境的根源，主要探討了科技型中小企業(yè)的融資的一般情況，并對中國科技型中小企業(yè)的融資問題作了更深入的分析和研究。我們利用信貸配給理論、產(chǎn)業(yè)集群理論對科技型中小企業(yè)融資情況進行理論分析，再結(jié)合科技型中小企業(yè)的一般特征和自身對資金需求特征進行深入探討，最終提出可行的對策建議。并以南京銀行的實際工作為例，探討中小銀行如何發(fā)揮結(jié)合自身優(yōu)勢，支持科技型中小企業(yè)發(fā)展，從而達(dá)到雙贏。文章最后，通過政府，銀行，監(jiān)管部門，企業(yè)自身等角度，，提出了解決中國科技型中小企業(yè)融資問題的建議。
[Abstract]:In recent years, small and medium-sized enterprises of science and technology have developed rapidly, but the small and medium sized enterprises of science and technology have their own obvious characteristics such as "high investment, high income and high risk". However, the poor financing environment makes it not optimistic. They are very difficult to obtain financial support from the financial system. It is of great theoretical and practical significance to guide the sustainable and healthy development of China's economy and maintain the vitality of the economic growth. Therefore, the research on the financing of small and medium-sized enterprises in science and technology is becoming more and more widely concerned.
On the basis of carefully combing the relevant literature at home and abroad, this paper systematically expounds the origin of financing difficulties of small and medium sized and small enterprises in science and technology, mainly discusses the general situation of financing for small and medium-sized scientific and technological enterprises, and makes a deeper analysis and Research on the financing problems of small and medium-sized enterprises in China. We use the theory of credit rationing, The theory of industrial cluster is used to analyze the financing situation of small and medium sized enterprises in science and technology, and then combine the general characteristics of the small and medium-sized enterprises and their own characteristics of capital demand. Finally, the feasible countermeasures and suggestions are put forward. Taking the actual work of the Bank of Nanjing as an example, this paper discusses how the small and medium banks play a combination of their own advantages and support families. At the end of the article, the paper puts forward some suggestions to solve the financing problems of Chinese technology-based SMEs through the government, banks, supervision departments and enterprises themselves.
【學(xué)位授予單位】：華中科技大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F275;F832.4

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