發(fā)布時(shí)間：2018-07-10 02:36

  本文選題：中小企業(yè) + 金融結(jié)構(gòu)��； 參考：《湖南大學(xué)》2012年碩士論文

【摘要】：中小企業(yè)是促進(jìn)經(jīng)濟(jì)發(fā)展、創(chuàng)造就業(yè)崗位和提升創(chuàng)新能力的中流砥柱。然而，中小企業(yè)在我國(guó)的發(fā)展卻是“強(qiáng)位弱勢(shì)”，其融資難問(wèn)題始終沒有得到解決并備受詬病，，這嚴(yán)重制約了我國(guó)中小企業(yè)的成長(zhǎng)，成為我國(guó)經(jīng)濟(jì)發(fā)展的重要瓶頸。目前學(xué)者的研究大多專注于中小企業(yè)融資難的某一方面，僅僅注意到了中小企業(yè)作用的共性方面，并沒有結(jié)合我國(guó)的國(guó)情——經(jīng)濟(jì)轉(zhuǎn)軌時(shí)期特有的制度環(huán)境來(lái)探尋中小企業(yè)融資困境的形成機(jī)理，由此提出的政策建議缺乏前瞻性和系統(tǒng)性，在實(shí)踐中往往不盡如人意。 本文結(jié)合我國(guó)經(jīng)濟(jì)轉(zhuǎn)軌時(shí)期特有的制度環(huán)境，從金融制度層面——金融結(jié)構(gòu)視角來(lái)探討限制中小企業(yè)融資的制度因素。理論研究發(fā)現(xiàn)，當(dāng)前金融結(jié)構(gòu)下中小企業(yè)融資的現(xiàn)狀是：大銀行的平均小企業(yè)客戶數(shù)量相對(duì)較少；中小銀行相對(duì)偏愛于中小企業(yè)；資本市場(chǎng)解決中小企業(yè)融資難問(wèn)題作用有限。造成這個(gè)現(xiàn)象的原因是大銀行寡頭壟斷的金融結(jié)構(gòu)缺乏信息優(yōu)勢(shì)，而這種信息不對(duì)稱導(dǎo)致信貸市場(chǎng)失靈：銀行無(wú)法低成本衡量貸款項(xiàng)目的有效性；成本收益機(jī)制與激勵(lì)機(jī)制不對(duì)稱。而信貸市場(chǎng)失靈造成信貸配給，表現(xiàn)為中小企業(yè)融資困難。 根據(jù)上述分析，第4章提出五個(gè)理論假設(shè)，通過(guò)構(gòu)造一個(gè)數(shù)理模型，證明在銀行業(yè)高度集中的情況下，由于信息不對(duì)稱導(dǎo)致信貸市場(chǎng)失靈，金融資源配置低效，從而抑制中小企業(yè)融資；并引入中小金融機(jī)構(gòu)，從理論上證明在分散的金融結(jié)構(gòu)下，中小企業(yè)融資難問(wèn)題得到緩解。在此基礎(chǔ)上，第5章提出大中型金融機(jī)構(gòu)服務(wù)重心下移、大力發(fā)展中小型金融機(jī)構(gòu)以及完善中小企業(yè)融資征信制度的對(duì)策建議。
[Abstract]:Small and medium-sized enterprises are the mainstay of economic development, job creation and innovation. However, the development of small and medium-sized enterprises in China is "strong weak", its financing problem has not been resolved and been criticized, which has seriously restricted the growth of small and medium-sized enterprises in China, and has become an important bottleneck of our economic development. At present, scholars mostly focus on one aspect of the financing difficulties of SMEs, and only pay attention to the common aspects of the role of SMEs. It does not explore the forming mechanism of SMEs' financing predicament by combining the national conditions of our country-the special institutional environment in the period of economic transition. Therefore, the policy recommendations put forward from this lack of foresight and systematicness, and are often not satisfactory in practice. This paper discusses the institutional factors restricting the financing of small and medium-sized enterprises from the perspective of financial system and financial structure in the light of the unique institutional environment in the period of economic transition in China. The theoretical research shows that the current situation of SMEs financing under the current financial structure is: the average number of small business customers in large banks is relatively small; the small and medium-sized banks prefer SMEs; and the capital market has a limited role in solving the financing difficulties of SMEs. This phenomenon is caused by the lack of information superiority in the oligopolistic financial structure of large banks, which leads to the failure of the credit market: banks cannot measure the effectiveness of loan projects at low cost; Cost-benefit mechanism and incentive mechanism are asymmetric. But the credit market failure causes the credit rationing, manifests for the small and medium-sized enterprise financing difficulty. According to the above analysis, chapter 4 puts forward five theoretical hypotheses. By constructing a mathematical model, it is proved that under the circumstance of highly centralized banking, the information asymmetry leads to the failure of the credit market, and the allocation of financial resources is inefficient. In order to restrain the financing of small and medium-sized enterprises, and introduce small and medium-sized financial institutions, it is theoretically proved that under the decentralized financial structure, the financing difficulties of small and medium-sized enterprises have been alleviated. On this basis, the fifth chapter puts forward some countermeasures and suggestions on how to shift the service center of large and medium-sized financial institutions, how to develop small and medium-sized financial institutions and how to improve the financing credit system of small and medium-sized enterprises.
【學(xué)位授予單位】：湖南大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.4;F276.3

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