本文選題：民間金融　切入點(diǎn)：中小企業(yè)　出處：《江西師范大學(xué)》2014年碩士論文　論文類(lèi)型：學(xué)位論文

【摘要】：隨著我國(guó)經(jīng)濟(jì)體制改革的逐年深入，以中小企業(yè)為代表的非公有制經(jīng)濟(jì)在我國(guó)整個(gè)國(guó)民經(jīng)濟(jì)中越來(lái)越占據(jù)著重要的地位，也逐漸成為我國(guó)經(jīng)濟(jì)發(fā)展的主要推動(dòng)力。中小企業(yè)在我國(guó)國(guó)民經(jīng)濟(jì)和社會(huì)發(fā)展中的重要地位和作用也受到了社會(huì)各界的廣泛認(rèn)同，并引起了各級(jí)政府的高度重視。世界各國(guó)的經(jīng)驗(yàn)表明，中小企業(yè)發(fā)展所面臨的一個(gè)普遍的、關(guān)鍵的制約因素就是融資難。鑒于我國(guó)中小企業(yè)融資的特殊性和自身信用的缺失，使得中小企業(yè)從商業(yè)銀行為主的正規(guī)金融機(jī)構(gòu)獲取資金的支持有限，難以滿足自身對(duì)融資的需求。近幾年我國(guó)民間金融快速擴(kuò)張，其閑置資本日益壯大，這就可以為中小企業(yè)融資提供一定的資金支持。除此之外，，民間金融資金借貸活動(dòng)的特點(diǎn)與中小企業(yè)融資的特征相似，這可以減少中小企業(yè)融資的成本。民間金融還擁有一個(gè)重要的優(yōu)勢(shì)---可以減少中小企業(yè)在融資信用方面的約束，這個(gè)優(yōu)勢(shì)可以在很大程度上緩解中小企業(yè)的融資問(wèn)題。因此，從資金的供求關(guān)系、資金活動(dòng)特點(diǎn)和信用等各方面來(lái)分析，民間金融與中小企業(yè)都有很大互適性，基于此，建議利用民間金融的優(yōu)勢(shì)，引導(dǎo)民間資本支持中小企業(yè)發(fā)展，緩解其融資困境，爭(zhēng)取達(dá)到中小企業(yè)和民間金融雙贏的局面。 本文的研究主要是從兩個(gè)層面分析，第一個(gè)層面是通過(guò)分析目前我國(guó)中小企業(yè)融資困境的現(xiàn)狀，剖析造成中小企業(yè)融資困境的原因。在這個(gè)層面上，文章綜合了國(guó)內(nèi)一些學(xué)者的論點(diǎn)，提出中小企業(yè)融資困境形成的主要原因是中小企業(yè)的信用不足，當(dāng)然，還有信息不對(duì)稱(chēng)和融資成本高等原因。第二個(gè)層面是在分析民間金融特點(diǎn)的基礎(chǔ)上，對(duì)我國(guó)民間金融在中小企業(yè)中的作用進(jìn)行了分析，并因此針對(duì)中小企業(yè)融資困境提出了一些可行性的建議。在這個(gè)層面上，首先對(duì)民間金融的范疇進(jìn)行了界定，然后從理論和實(shí)踐兩個(gè)角度去探討民間金融在中小企業(yè)融資的作用，通過(guò)分析最后得出結(jié)論。除此之外，本文還對(duì)有關(guān)企業(yè)融資結(jié)構(gòu)的理論、關(guān)于我國(guó)中小企業(yè)范疇的界定和中小企業(yè)資金需求特點(diǎn)等闡述，文中有的部分分析還結(jié)合了一些黨和國(guó)家的方針政策，諸如關(guān)于民間銀行的試點(diǎn)問(wèn)題和市場(chǎng)在資源配置中起決定性作用等。希望通過(guò)這些研究，可以為緩解我國(guó)中小企業(yè)融資困境提供某些具體的幫助。
[Abstract]:With the deepening of China's economic system reform year by year, the non-public economy, represented by small and medium-sized enterprises, is playing a more and more important role in the whole national economy of our country. The important position and role of small and medium-sized enterprises in the national economy and social development of our country have also been widely recognized by all walks of life. The experience of various countries shows that the difficulty of financing is a common and key constraint to the development of small and medium-sized enterprises. In view of the particularity of financing and the lack of credit of SMEs in our country, As a result, small and medium-sized enterprises have limited support for obtaining funds from formal financial institutions dominated by commercial banks, and it is difficult to meet their own needs for financing. In recent years, China's private finance has expanded rapidly, and its idle capital has grown stronger and stronger. This can provide certain financial support for SME financing. In addition, the characteristics of private financial capital lending activities are similar to those of SMEs. This can reduce the cost of SME financing. Private finance also has an important advantage-- it can reduce the financing credit constraints of SMEs, which can greatly alleviate the financing problems of SMEs. Based on the analysis of the relationship between supply and demand of funds, characteristics of capital activities and credit, non-governmental finance and small and medium-sized enterprises have great mutual adaptability. Based on this, it is suggested to use the advantages of private finance to guide private capital to support the development of small and medium-sized enterprises. Ease its financing dilemma and strive to achieve a win-win situation for small and medium-sized enterprises and private finance. The research of this paper is mainly from two levels, the first level is to analyze the current situation of financing difficulties of SMEs in China, to analyze the causes of the financing difficulties of SMEs. This paper synthesizes the arguments of some domestic scholars, and points out that the main reason for the financing dilemma of SMEs is the lack of credit of SMEs. Of course, On the basis of analyzing the characteristics of private finance, this paper analyzes the role of private finance in small and medium-sized enterprises. Therefore, some feasible suggestions are put forward in view of the financing dilemma of small and medium-sized enterprises. At this level, the scope of private finance is first defined. Then from the theoretical and practical perspectives to explore the role of private finance in the financing of small and medium-sized enterprises, through the analysis of the final conclusion. In addition, this paper also related to the theory of corporate financing structure, As to the definition of the category of small and medium-sized enterprises in China and the characteristics of their capital needs, some of the analysis in this paper also combines the principles and policies of the Party and the state. It is hoped that, through these studies, we can provide some concrete help to alleviate the financing difficulties of small and medium-sized enterprises in our country, such as the pilot problems of private banks and the decisive role of the market in the allocation of resources.
【學(xué)位授予單位】：江西師范大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類(lèi)號(hào)】：F276.3;F832.4

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