本文關(guān)鍵詞： 利率市場化 中小企業(yè) 融資　出處：《天津財經(jīng)大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

【摘要】：在過去的幾十年中,國有經(jīng)濟一直是我國實體經(jīng)濟的中堅力量,在國民經(jīng)濟中占據(jù)重要地位。隨著改革開放,民營資本開始萌發(fā),極大地豐富了我國經(jīng)濟結(jié)構(gòu)的組成。中小企業(yè)近年來取得了快速發(fā)展,逐漸成為影響我國未來經(jīng)濟發(fā)展的新生力量,但受我國經(jīng)濟制度、融資市場、金融機構(gòu)決策意向等因素的影響,中小企業(yè)一直面臨著融資困難的現(xiàn)狀,這一困境成為了制約其發(fā)展壯大的瓶頸,中小企業(yè)融資難問題亟待解決。另一方面,我國經(jīng)濟自改革開放以來取得了舉世矚目的發(fā)展,以實體經(jīng)濟為基礎(chǔ)的具有中國特色的社會主義金融體系也在不斷地完善與深化。隨著市場經(jīng)濟逐步深入發(fā)展,利率市場化成為了金融體制改革的重要一環(huán),其發(fā)展已進入了最后階段,由此引發(fā)的連鎖效應(yīng)必將反哺我國實體經(jīng)濟中的參與者。利率市場化進程的不斷推進也使得銀行面臨的經(jīng)營環(huán)境不可避免地發(fā)生了改變,這促使銀行為了維持自身發(fā)展加快轉(zhuǎn)型的步伐,傳統(tǒng)的經(jīng)營理念與經(jīng)營模式必將發(fā)生改變。銀行市場化經(jīng)營程度的加深,為解決中小企業(yè)融資難的現(xiàn)實問題帶來了曙光。本文首先分析了利率決定理論和企業(yè)融資決策,剖析造成中小企業(yè)融資難的深層原因。其次,闡述了我國利率市場化發(fā)展的歷程和發(fā)展階段,提出利率市場化對中小企業(yè)帶來的有利影響和不利影響,點明了在這一金融深化過程中機遇與挑戰(zhàn)并存,并通過案例加以佐證。最后,從提高資信等級、提高財務(wù)管理水平、擴寬融資渠道等方面,提出在利率市場化背景下,中小企業(yè)如何進行融資的建議。本文的創(chuàng)新之處在于將利率市場化與中小企業(yè)融資難問題相結(jié)合,對于在利率市場化條件下,中小企業(yè)如何抓住機遇,應(yīng)對不利因素,從而解決融資問題進行探討并提出解決方案。
[Abstract]:In the past few decades, the state-owned economy has been the backbone of the real economy in China, and occupies an important position in the national economy. With the reform and opening up, private capital began to germinate. In recent years, small and medium-sized enterprises (SMEs) have made rapid development, and gradually become a new force affecting the future economic development of our country, but by our economic system, the financing market. Because of the influence of the decision intention of financial institutions, SMEs have been faced with the current situation of financing difficulties, which has become the bottleneck restricting their development and growth. On the other hand, the financing difficulties of SMEs need to be solved. Since the reform and opening to the outside world, China's economy has achieved remarkable development, and the socialist financial system with Chinese characteristics based on the real economy has been continuously improved and deepened. Interest rate marketization has become an important part of the financial system reform, and its development has entered the final stage. The chain effect will feed the participants in the real economy of our country. The continuous promotion of interest rate marketization also makes the operating environment that the banks are faced with has inevitably changed. In order to maintain their own development and accelerate the pace of transformation, the traditional business philosophy and business model will be changed and the degree of marketization of banks will be deepened. In order to solve the practical problems of SMEs financing difficulties brought dawn. Firstly, this paper analyzes the theory of interest rate decision and enterprise financing decision, analyzes the deep causes of SMEs financing difficulties. Secondly. This paper expounds the course and stage of the development of interest rate marketization in our country, and puts forward the beneficial and negative effects of interest rate marketization on small and medium-sized enterprises, and points out that opportunities and challenges coexist in the process of financial deepening. Finally, in order to improve the credit rating, improve the level of financial management, broaden the financing channels and other aspects, put forward in the interest rate marketization background. The innovation of this paper is to combine the interest rate marketization with the financing difficulties of SMEs, and how to seize the opportunity for SMEs under the condition of interest rate marketization. To deal with adverse factors, so as to solve the financing problem and put forward solutions.
【學(xué)位授予單位】：天津財經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F275;F276.3;F832.5

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