本文選題：影子銀行　切入點(diǎn)：中小企業(yè)融資　出處：《山東大學(xué)》2014年碩士論文

【摘要】：改革開(kāi)放以來(lái),中小企業(yè)(small and medium-sizes enterprises, SMEs)迅速成為拉動(dòng)我國(guó)國(guó)民經(jīng)濟(jì)增長(zhǎng)的重要引擎,推動(dòng)我國(guó)經(jīng)濟(jì)社會(huì)的快速發(fā)展。當(dāng)前,我國(guó)的中小企業(yè)數(shù)量占全國(guó)企業(yè)總量的99%,GDP貢獻(xiàn)率高達(dá)70%,稅收貢獻(xiàn)率超過(guò)50%,同時(shí)解決了城鎮(zhèn)80%的勞動(dòng)力就業(yè)問(wèn)題。然而,在全球金融危機(jī)不斷蔓延,我國(guó)通貨膨脹率持續(xù)攀升的形勢(shì)下,中小企業(yè)運(yùn)營(yíng)過(guò)程中所得到的金融支持明顯滯后,難以滿(mǎn)足中小企業(yè)發(fā)展需要,融資困難、融資成本過(guò)高等問(wèn)題始終阻礙著中小企業(yè)的快速發(fā)展。 與此同時(shí),我國(guó)的社會(huì)融資結(jié)構(gòu)和融資環(huán)境卻在不斷變化,大量的社會(huì)“閑散”資金“游離”于正規(guī)銀行業(yè)體系之外,形成不同形式的影子銀行,影子銀行憑借其獨(dú)特的創(chuàng)新性、優(yōu)越性和靈活性,通過(guò)多樣化的渠道和方式的融資平臺(tái)紛紛進(jìn)入社會(huì)實(shí)體經(jīng)濟(jì),對(duì)于滿(mǎn)足中小企業(yè)的融資需求起到了一定作用。迅猛發(fā)展的影子銀行為中小企業(yè)融資提供了新的解決方式。 本文首先對(duì)影子銀行、中小企業(yè)及中小企業(yè)融資的概念及相關(guān)基礎(chǔ)理論進(jìn)行了說(shuō)明。其次,介紹了我國(guó)影子銀行的發(fā)展現(xiàn)狀,對(duì)影子銀行對(duì)我國(guó)中小企業(yè)融資的影響進(jìn)行了分析,并指出影子銀行在中小企業(yè)融資中存在的問(wèn)題。再次,本文以影子銀行對(duì)大連SS貿(mào)易公司的融資為案例,做實(shí)證分析。最后,提出相應(yīng)的完善影子銀行對(duì)中小企業(yè)融資的對(duì)策建議。
[Abstract]:Since the reform and opening up, small and medium-sizes enterprises (SMEs) have rapidly become an important engine to stimulate the growth of our national economy and promote the rapid development of our country's economy and society. The number of small and medium-sized enterprises in China accounts for as much as 70% of the total GDP of enterprises in the country, and the tax contribution rate exceeds 50%. At the same time, it solves the employment problem of 80% of the labor force in cities and towns. However, in the global financial crisis, it continues to spread. Under the situation of rising inflation rate in China, the financial support received by small and medium-sized enterprises in the course of operation is obviously lagging behind, and it is difficult to meet the development needs of small and medium-sized enterprises and to meet the financing difficulties. High financing costs and other problems have always hindered the rapid development of small and medium-sized enterprises. At the same time, the social financing structure and financing environment of our country are constantly changing, a large number of social "idle" funds "free" outside the formal banking system, forming different forms of shadow banking. With its unique innovation, superiority and flexibility, shadow banking has entered the social real economy one after another through a variety of channels and ways of financing platforms. It has played a certain role in meeting the financing needs of small and medium-sized enterprises. The rapid development of shadow banking has provided a new solution for the financing of small and medium-sized enterprises. This paper first explains the concepts and basic theories of shadow banking, small and medium-sized enterprises and SME financing. Secondly, it introduces the present situation of shadow banking in China. This paper analyzes the influence of shadow banking on the financing of small and medium-sized enterprises in China, and points out the problems existing in the financing of small and medium-sized enterprises. Thirdly, this paper takes the shadow bank's financing of Dalian SS Trading Company as an example. Finally, the author puts forward the corresponding countermeasures and suggestions to improve the shadow bank financing for small and medium-sized enterprises.
【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】：2014
【分類(lèi)號(hào)】：F832.39;F276.3

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