【摘要】：中小企業(yè)作為經(jīng)濟(jì)發(fā)展不可或缺的主體在我國(guó)經(jīng)濟(jì)發(fā)展中就業(yè)、出口等方面的作用越來(lái)越突出，但是由于企業(yè)自身、金融環(huán)境和政策體制等方面的原因，中小企業(yè)一直面臨著融資難題，這嚴(yán)重抑制了中小企業(yè)的發(fā)展，也抑制了我國(guó)經(jīng)濟(jì)前進(jìn)的步伐。因此，解決中小企業(yè)融資難是目前金融界和學(xué)術(shù)界廣泛討論和亟待解決的問(wèn)題。 本文是在構(gòu)建和完善中小企業(yè)信用保證體系的背景下，主要分散中小企業(yè)風(fēng)險(xiǎn)的擔(dān)保機(jī)構(gòu)由于種種原因，自身不能完全發(fā)揮或不愿發(fā)揮出應(yīng)有的作用，提出以保險(xiǎn)的方法來(lái)增加中小企業(yè)信用系數(shù)、增加金融機(jī)構(gòu)信心、分散擔(dān)保公司風(fēng)險(xiǎn)、構(gòu)建完善中小企業(yè)信用融資體系。本文主要運(yùn)用的方法是理論分析與比較分析相結(jié)合、定性分析與定量分析相結(jié)合，研究保險(xiǎn)這一因素的介入對(duì)中小企業(yè)融資的影響情況。之前以往的研究都是理論層面上的，幾乎沒(méi)有實(shí)證分析過(guò)保險(xiǎn)因素對(duì)中小企業(yè)融資的影響情況，本文將打破這一局面進(jìn)行定量分析，這也是本文最大的創(chuàng)新點(diǎn)。 理論分析部分，對(duì)我國(guó)中小企業(yè)融資的現(xiàn)狀與融資難的原因進(jìn)行簡(jiǎn)要分析，再對(duì)保險(xiǎn)介入中小企業(yè)融資有重大意義的基礎(chǔ)上，借鑒中小企業(yè)信用體系健全的美國(guó)、日本、韓國(guó)等發(fā)達(dá)國(guó)家和農(nóng)村小額信貸保險(xiǎn)成熟的印度、菲律賓等發(fā)展中國(guó)家以及國(guó)內(nèi)浙江、臺(tái)灣地區(qū)的成熟經(jīng)驗(yàn)，從投保人的不同介紹了我國(guó)現(xiàn)有的以及設(shè)想的可行的七種經(jīng)驗(yàn)?zāi)Ｊ�，即投保人是企業(yè)的抵押貸款保險(xiǎn)模式和貸款保證保險(xiǎn)模式、投保人是銀行的貸款信用保險(xiǎn)模式、擔(dān)保機(jī)構(gòu)信用保險(xiǎn)模式、租賃信用保險(xiǎn)模式、出口信用保險(xiǎn)模式、動(dòng)產(chǎn)質(zhì)押監(jiān)管責(zé)任保險(xiǎn)模式以及保險(xiǎn)貸款和保單質(zhì)押模式。 實(shí)證部分，選取中小企業(yè)工業(yè)行業(yè)和保險(xiǎn)公司2005-2011年近7年的數(shù)據(jù)，以我國(guó)31個(gè)省、自治區(qū)、直轄市為研究對(duì)象構(gòu)建固定效應(yīng)面板數(shù)據(jù)模型，將保險(xiǎn)這一指標(biāo)進(jìn)行量化，從保險(xiǎn)公司的角度反應(yīng)企業(yè)融資投保的意愿。對(duì)模型設(shè)定的準(zhǔn)確性進(jìn)行檢驗(yàn)，通過(guò)檢驗(yàn)結(jié)果對(duì)模型進(jìn)行優(yōu)化，驗(yàn)證保險(xiǎn)這一因素的介入對(duì)中小企業(yè)融資是否具有影響。最后針對(duì)實(shí)證結(jié)果從保險(xiǎn)機(jī)構(gòu)、中小企業(yè)和政府三個(gè)方面提出了相應(yīng)的政策建議。 通過(guò)本文的研究，不僅在理論方面對(duì)解決中小企業(yè)融資難題提供了補(bǔ)充和深化，為以后相關(guān)的研究提供理論上的借鑒，更在實(shí)踐中保險(xiǎn)介入中小企業(yè)融資增強(qiáng)中小企業(yè)信用，解決中小企業(yè)融資難題，拓寬保險(xiǎn)公司業(yè)務(wù)，減小銀行等金融機(jī)構(gòu)的融資風(fēng)險(xiǎn)，，完善中小企業(yè)信用保證體系建設(shè)提供了應(yīng)用方面的依據(jù)和借鑒價(jià)值。
[Abstract]:As an indispensable subject of economic development, small and medium-sized enterprises play a more and more important role in the economic development of our country. However, due to the reasons of enterprises themselves, financial environment and policy system, small and medium-sized enterprises have been facing financing problems, which seriously restricts the development of small and medium-sized enterprises and the pace of economic progress in our country. Therefore, solving the financing difficulties of small and medium-sized enterprises is a widely discussed and urgent problem in the financial and academic circles. Under the background of constructing and perfecting the credit guarantee system of small and medium-sized enterprises, the guarantee institutions which mainly disperse the risk of small and medium-sized enterprises can not give full play to or are unwilling to play their due role due to various reasons, and put forward the method of insurance to increase the credit coefficient of small and medium-sized enterprises, increase the confidence of financial institutions, disperse the risk of guarantee companies, and construct and perfect the credit financing system of small and medium-sized enterprises. The main methods used in this paper are the combination of theoretical analysis and comparative analysis, qualitative analysis and quantitative analysis, to study the impact of insurance intervention on the financing of small and medium-sized enterprises. The previous studies are all theoretical, almost no empirical analysis of the impact of insurance factors on the financing of small and medium-sized enterprises, this paper will break this situation for quantitative analysis, which is also the biggest innovation of this paper. In the part of theoretical analysis, this paper briefly analyzes the present situation of financing of small and medium-sized enterprises in China and the causes of financing difficulties, and then on the basis of great significance for insurance intervention in the financing of small and medium-sized enterprises, draws lessons from the mature experience of the United States, Japan, South Korea and other developed countries with sound credit system of small and medium-sized enterprises, India, Philippines and other developing countries, as well as Zhejiang and Taiwan This paper introduces seven feasible empirical models in our country from the different policy holders, namely, the mortgage insurance mode and loan guarantee insurance mode of the enterprise, the loan credit insurance mode of the bank, the credit insurance mode of the guarantee institution, the lease credit insurance mode, the export credit insurance mode, the chattel pledge supervision liability insurance mode and the insurance loan and policy pledge mode. In the empirical part, the data of industrial industry and insurance company of small and medium-sized enterprises from 2005 to 2011 are selected, and the fixed effect panel data model is constructed with 31 provinces, autonomous regions and municipalities directly under the Central Government as the research object. The index of insurance is quantified, and the willingness of enterprise financing and insurance is reflected from the point of view of insurance companies. The accuracy of model setting is tested, and the model is optimized through the test results to verify whether the intervention of insurance has an impact on the financing of small and medium-sized enterprises. Finally, according to the empirical results, the corresponding policy recommendations are put forward from three aspects: insurance institutions, small and medium-sized enterprises and the government. Through the research of this paper, it not only complements and deepens the financing problems of small and medium-sized enterprises in theory, but also provides theoretical reference for the related research in the future, but also in practice, insurance intervention in the financing of small and medium-sized enterprises enhances the credit of small and medium-sized enterprises, solves the financing problems of small and medium-sized enterprises, broadens the business of insurance companies, and reduces the financing risks of banks and other financial institutions. Perfecting the construction of credit guarantee system of small and medium-sized enterprises provides the application basis and reference value.
【學(xué)位授予單位】：浙江財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類(lèi)號(hào)】：F842;F276.3;F275

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