【摘要】：中小企業(yè)是中國國民經(jīng)濟的重要組成部分,其發(fā)展好壞直接關(guān)系到國民經(jīng)濟全局,對于技術(shù)創(chuàng)新、產(chǎn)業(yè)升級、社會進步等都具有重大意義。改革開放以來,中國中小企業(yè)經(jīng)歷了一段蓬勃發(fā)展時期,在企業(yè)單位數(shù)、產(chǎn)業(yè)分布、組織結(jié)構(gòu)及總規(guī)模上都取得了很大突破。但是,隨著宏觀經(jīng)濟形勢的演變,尤其是國企改革、市場轉(zhuǎn)型等一系列重大社會經(jīng)濟變化的發(fā)生,這給中小企業(yè)帶來了巨大的融資需求。面對這種需求,特別是在當下國家貨幣政策偏緊,各金融機構(gòu)銀根緊縮的情況下各方面對中小企業(yè)的資金供給明顯不足,由此引發(fā)了中小企業(yè)資金供求缺口,即融資難問題。因此,中小企業(yè)只能向小型金融機構(gòu)申請貸款,小型金融機構(gòu)具有一定的資金供給能力。昆山農(nóng)村商業(yè)銀行是2005年從信用社轉(zhuǎn)制成立的一家地區(qū)性商業(yè)銀行,作為一家小型的金融機構(gòu),它服務(wù)的核心對象為當?shù)貜V大中小企業(yè),如何有效的解決當?shù)刂行∑髽I(yè)融資問題成為昆山農(nóng)商行一個不容回避現(xiàn)實問題。 本文首先對國內(nèi)外關(guān)于中小企業(yè)的融資信息進行了梳理和總結(jié),其次介紹了中小企業(yè)的融資相關(guān)理論,包括融資結(jié)構(gòu)理論、融資渠道理論以及信息不對稱的信貸配給理論。再次,對美國、日本、德國等發(fā)達國家中小企業(yè)融資的模式進行了分析,得出對我國中小企業(yè)融資的啟示。最后著重分析了昆山農(nóng)商行在中小企業(yè)融資中的問題和原因,對昆山農(nóng)商行如何在中小企業(yè)的融資中發(fā)揮積極的作用,從政府、企業(yè)、銀行等方面提出了全面、科學、有效的參考意見。這對于銀行的經(jīng)營、中小企業(yè)的發(fā)展、昆山市經(jīng)濟的騰飛都有一定的貢獻。
[Abstract]:The development of small and medium-sized enterprises is an important part of China's national economy, and its development is directly related to the overall situation of the national economy. It is of great significance to technological innovation, industrial upgrading, social progress and so on. Since the reform and opening up, small and medium-sized enterprises in China have experienced a period of vigorous development. They have made great breakthroughs in the number of enterprises, industrial distribution, organizational structure and total scale. However, with the evolution of macroeconomic situation, especially the reform of state-owned enterprises, market transformation and a series of major social and economic changes, this has brought huge financing needs to small and medium-sized enterprises. In the face of this kind of demand, especially in the current state monetary policy is tight, the various aspects of financial institutions to the situation of tight money supply to small and medium-sized enterprises is obviously insufficient, which leads to the supply and demand gap of small and medium-sized enterprises, that is, the problem of financing difficulties. Therefore, small and medium-sized enterprises can only apply for loans to small financial institutions, small financial institutions have a certain amount of capital supply capacity. As a small financial institution, Kunshan Rural Commercial Bank is a regional commercial bank established from credit cooperative in 2005. As a small financial institution, its core service target is local small and medium-sized enterprises. How to effectively solve the financing problem of local small and medium-sized enterprises has become an unavoidable and realistic problem for Kunshan agribusiness. This paper firstly summarizes the financing information of SMEs at home and abroad, and then introduces the financing theories of SMEs, including financing structure theory, financing channel theory and credit rationing theory with asymmetric information. Thirdly, this paper analyzes the financing mode of SMEs in developed countries, such as America, Japan, Germany and so on. Finally, the paper analyzes the problems and reasons of Kunshan agribusiness bank in the financing of small and medium-sized enterprises, and puts forward a comprehensive and scientific view on how to play an active role in the financing of small and medium-sized enterprises from the government, enterprises, banks and so on. Effective reference. This for the management of banks, the development of small and medium-sized enterprises, Kunshan City's economic take-off have a certain contribution.
【學位授予單位】：南京農(nóng)業(yè)大學
【學位級別】：碩士
【學位授予年份】：2012
【分類號】：F832.33;F275

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