本文選題：中小企業(yè)　切入點(diǎn)：集合票據(jù)　出處：《山東大學(xué)》2012年碩士論文　論文類型：學(xué)位論文

【摘要】：中小企業(yè)融資難是世界性難題,其中一難就是融資渠道過(guò)于單一,過(guò)于依賴銀行貸款融資的現(xiàn)象嚴(yán)重。2009年,我國(guó)發(fā)行了首支中小企業(yè)集合票據(jù),從此中小企業(yè)在資本市場(chǎng)上直接融資成為可能,打破了只有大企業(yè)才能發(fā)行債券的“專利”,進(jìn)一步拓寬了中小企業(yè)融資渠道。經(jīng)過(guò)三年的發(fā)展,我國(guó)中小企業(yè)集合票據(jù)發(fā)展迅速,已經(jīng)累計(jì)發(fā)行了70支集合票據(jù),惠及企業(yè)不斷增多,發(fā)行規(guī)模逐步擴(kuò)大,一定程度上緩解了中小企業(yè)融資難,也成為我省資本市場(chǎng)上不可忽視的重要組成部分。 同時(shí),由于中小企業(yè)集合票據(jù)推行時(shí)間較短,大多數(shù)中小企業(yè)對(duì)集合票據(jù)還比較陌生、認(rèn)識(shí)不到位,對(duì)相關(guān)的申報(bào)程序和優(yōu)缺點(diǎn)缺乏了解,在組織發(fā)行環(huán)節(jié)上也存在一些問(wèn)題亟需完善和改進(jìn),在具體操作過(guò)程中也遇到很多困難和障礙,如門檻偏高、審批程序復(fù)雜等等,這些問(wèn)題影響或限制了集合票據(jù)的發(fā)行。所以,盡管集合票據(jù)誕生以后發(fā)展迅速,但集合票據(jù)總體上融資規(guī)模偏小,發(fā)揮作用十分有限,占中小企業(yè)融資比重很低,與廣大中小企業(yè)直接融資需求相比差距很大。中小企業(yè)集合票據(jù)是我國(guó)資本市場(chǎng)為破解中小企業(yè)融資難的創(chuàng)新舉措,意義深遠(yuǎn)重大。因此,鑒于當(dāng)前對(duì)集合票據(jù)的研究總體上比較少、比較零碎,有必要對(duì)中小企業(yè)集合票據(jù)融資方式進(jìn)行深入的研究。 本文第一章主要介紹了中小企業(yè)集合票據(jù)概念、研究背景和研究現(xiàn)狀,對(duì)集合票據(jù)出現(xiàn)以后相關(guān)理論文獻(xiàn)進(jìn)行總結(jié)歸納；第二章對(duì)中小企業(yè)集合票據(jù)產(chǎn)生過(guò)程、發(fā)行程序、組織機(jī)構(gòu)等進(jìn)行深入研究,詳細(xì)介紹集合票據(jù)發(fā)行程序和相關(guān)方職責(zé)；第三章對(duì)中小企業(yè)集合票據(jù)與其他融資方式進(jìn)行比較分析,重點(diǎn)與銀行信貸、民間借貸等傳統(tǒng)融資方式以及與集合債、集合信托等新型融資方式進(jìn)行了比較分析；第四章對(duì)我國(guó)中小企業(yè)集合票據(jù)融資的現(xiàn)狀進(jìn)行了闡述,對(duì)發(fā)行數(shù)量、發(fā)行期限、發(fā)行地區(qū)分布等進(jìn)行了統(tǒng)計(jì)總結(jié),并深入分析了當(dāng)前中小企業(yè)集合票據(jù)面臨的問(wèn)題；第五章提出成功發(fā)行中小企業(yè)集合票據(jù),企業(yè)和政府分別注意和把握的幾個(gè)關(guān)鍵問(wèn)題；第六章提出相應(yīng)的完善措施,主要從長(zhǎng)遠(yuǎn)的角度出發(fā)對(duì)國(guó)家頂層設(shè)計(jì)層面提出幾點(diǎn)建議。
[Abstract]:The financing difficulty of small and medium-sized enterprises is a worldwide problem, one of which is that the financing channel is too single and the phenomenon of relying too much on bank loan financing is serious. In 2009, our country issued the first small and medium-sized enterprise aggregate bill. Since then, it has become possible for small and medium-sized enterprises to raise funds directly in the capital market, breaking the "patent" that only large enterprises can issue bonds, and further widening the financing channels for small and medium-sized enterprises. After three years of development, The small and medium-sized enterprises in China have developed rapidly and have issued 70 aggregate bills, which have benefited the increasing number of enterprises and gradually expanded the issuance scale. To a certain extent, it has alleviated the financing difficulties of small and medium-sized enterprises. It has also become an important part of the capital market in our province. At the same time, because of the short implementation time of the small and medium-sized enterprises, most of the small and medium-sized enterprises are still relatively unfamiliar with the aggregate bills, do not have a good understanding of the relevant declaration procedures, and lack of understanding of their advantages and disadvantages. There are also some problems in the organizational issue process that need to be perfected and improved, and there are also many difficulties and obstacles in the specific operation process, such as the high threshold, the complicated examination and approval procedures, and so on. These problems affect or restrict the issuance of collective notes. Therefore, although aggregate notes have developed rapidly since they were born, they are generally small in scale and play a very limited role, and account for a very low proportion of the financing of small and medium-sized enterprises. Compared with the demand for direct financing of small and medium-sized enterprises, the small and medium-sized enterprises aggregate bill is an innovative measure in the capital market of our country to solve the financing difficulties of small and medium-sized enterprises, which is of great significance. In view of the fact that the current research on aggregate bills is relatively small and fragmented, it is necessary to conduct a deep study on the financing methods of small and medium-sized enterprises. The first chapter of this paper mainly introduces the concept of small and medium-sized enterprises, research background and research status, summarizes the relevant theoretical documents after the emergence of aggregate bills; the second chapter of the process of small and medium-sized enterprises aggregate notes, issuing procedures, The third chapter makes a comparative analysis of small and medium-sized enterprises' aggregate bills and other financing methods, with emphasis on bank credit, The traditional financing methods, such as folk borrowing and so on, and the new financing methods, such as collective debt and collective trust, are compared and analyzed. Chapter 4th expounds the present situation of the financing of small and medium-sized enterprises in China, including the quantity of issue, the period of issue, and so on. The regional distribution of the issue is summarized, and the problems faced by the small and medium-sized enterprises are analyzed in depth. Chapter 5th puts forward several key problems that enterprises and the government should pay attention to and grasp respectively in the successful issuance of the small and medium-sized enterprises' collective bills. Chapter 6th puts forward the corresponding improvement measures, mainly from a long-term point of view to the top level of the national design of several suggestions.
【學(xué)位授予單位】：山東大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.51;F276.3

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本文編號(hào)：1573308