本文關(guān)鍵詞：小微企業(yè)融資與民間金融規(guī)范化研究　出處：《河南師范大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 小微企業(yè) 融資 民間金融 正規(guī)金融 小微企業(yè)融資體系

【摘要】：長期以來，小微企業(yè)在我國經(jīng)濟發(fā)展中起著非常重要的作用，但是小微企業(yè)卻并未得到與之地位相匹配的政策扶持和金融支持�！皟呻y兩多”(小微企業(yè)多，融資難；民間資本多，監(jiān)管難)一直在中國存在著且愈演愈烈。盡管近幾年尤其是從2011年政府、銀行等各方加大了對小微企業(yè)的扶持和關(guān)注，但是3年過去了，卻收效甚微，小微企業(yè)融資難的困境并未得到根本有效的緩解，通過銀行等正規(guī)渠道得到的資金仍然不能滿足小微企業(yè)的資金需求；而民間金融以其獨特的優(yōu)勢在很大程度上緩解了小微企業(yè)融資難題，但是由于民間金融是體制外金融形式，民間金融處于尷尬的境地，因而，民間金融的規(guī)范化極為迫切，而且，民間金融的規(guī)范化發(fā)展也離不開與小微企業(yè)的共同努力。因此，我們需要各方共同努力采取措施以鼓勵更多的民間資本為小微企業(yè)融資提供更優(yōu)質(zhì)的服務(wù)，以緩解小微企業(yè)的融資問題，，同時，我們也要采取措施促進民間金融的規(guī)范化發(fā)展，因為現(xiàn)存的民間金融形式存在很多問題，而且還有大量的民間資本的能量并未完全釋放出來，因此民間金融的規(guī)范化也具有非常重要的意義。本論文立意于破解小微企業(yè)的融資困境并逐步實現(xiàn)民間金融的規(guī)范發(fā)展，通過對我國小微企業(yè)融資的現(xiàn)狀及造成現(xiàn)狀原因、民間金融對小微企業(yè)融資和發(fā)展的作用以及國際經(jīng)驗的借鑒的總結(jié)和分析，從小微企業(yè)自身的體系的完善、政府支持政策的設(shè)立和民間金融的發(fā)展方面提出了建議和措施。 目前大多數(shù)的研究是將小微企業(yè)與民間金融分開進行的，一般主要是單獨分析小微企業(yè)融資難的原因及措施建議，或者是單獨闡述民間金融存在的問題及正規(guī)化發(fā)展的問題，而缺乏將其聯(lián)系起來的研究，本文把民間金融與小微企業(yè)融資一起研究，而且本文還把民間金融作為解決小微企業(yè)融資難題的重要途徑進行分析，并通過借鑒國外的經(jīng)驗，提出了改善小微企業(yè)融資狀況和發(fā)展民間金融的措施和建議，這具有非常重要的理論意義和實踐價值。本文共從六個章節(jié)進行論述和分析，并分為三個層次，第一層次：提出問題，包括第一章和第二章，主要是緒論及我國小微企業(yè)融資難現(xiàn)狀及原因分析。第二層次：分析問題，包括第三章和第四章，主要分析我國民間金融的現(xiàn)狀及作用,并探討了民間金融在小微企業(yè)融資中所起的作用，通過總結(jié)分析國際發(fā)展經(jīng)驗及結(jié)合我國國情，提出了建設(shè)適合我國發(fā)展實際的民間金融發(fā)展方向。第三層次：解決問題，包括第五章和第六章，第五章主要從小微企業(yè)自身完善和民間金融的發(fā)展方面提出了發(fā)展路徑和政策建議，第六章對本文的研究內(nèi)容進行了簡要總結(jié)。
[Abstract]:For a long time, small and micro enterprises have played a very important role in the economic development of our country, but they have not received the policy support and financial support corresponding to their status. Financing is difficult; Although in recent years, especially since 2011, the government, banks and other parties have increased their support and attention to small and micro enterprises, but three years have passed. However, there is little effect, the plight of financing difficulties of small and micro enterprises has not been effectively alleviated, and the funds obtained through formal channels such as banks still can not meet the capital needs of small and micro enterprises; Private finance, with its unique advantages, to a large extent alleviates the financing problem of small and micro enterprises, but private finance is in an awkward situation because it is a form of financial outside the system. The standardization of folk finance is very urgent, and the development of folk finance is inseparable from the joint efforts of small and micro enterprises. We need to work together to encourage more private capital to provide better services to finance small and micro enterprises in order to alleviate the financing problems of small and micro enterprises, and at the same time. We should also take measures to promote the standardized development of private finance, because there are many problems in the existing forms of private finance, and a large number of private capital energy has not been fully released. Therefore, the standardization of private finance is also of great significance. This paper intends to solve the financing dilemma of small and micro enterprises and gradually realize the standardized development of private finance. Through the summary and analysis of the current situation and causes of financing of small and micro enterprises in China, the role of folk finance in the financing and development of small and micro enterprises and the reference of international experience, we can improve the system of small and micro enterprises. The establishment of government support policy and the development of private finance put forward suggestions and measures. At present, the majority of the research is to separate small and micro enterprises from private finance, generally it is mainly to analyze the reasons and measures of financing difficulties of small and micro enterprises separately. Or is a separate elaboration of the problems of private finance and the regularization of the development of the problem, but the lack of a link to the study, this paper will study the private finance and small and micro enterprise financing together. And this paper also takes private finance as an important way to solve the financing problems of small and micro enterprises, and through the experience of foreign countries, puts forward the measures and suggestions to improve the financing situation of small and micro enterprises and to develop private finance. This is of great theoretical significance and practical value. This paper is discussed and analyzed from six chapters, and is divided into three levels, the first level: raising questions, including the first chapter and the second chapter. The second level: analysis of the problems, including chapter III and chapter 4th, mainly analyzes the current situation and role of private finance in China. It also discusses the role of private finance in the financing of small and micro enterprises, through summing up and analyzing the international development experience and combining with the national conditions of our country. The third level: solving problems, including 5th chapters and 6th chapters. Chapter 5th mainly puts forward the development path and policy suggestions from the aspects of the perfection of small and micro enterprises and the development of private finance. Chapter 6th summarizes the research contents of this paper.
【學(xué)位授予單位】：河南師范大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F275;F276.3;F832

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