本文選題：中小企業(yè) + 銀行��； 參考：《遼寧大學(xué)》2014年碩士論文

【摘要】：企業(yè)是市場(chǎng)經(jīng)濟(jì)的主體,對(duì)國(guó)民經(jīng)濟(jì)有著非常重要的作用。目前，中小企業(yè)(主要是民營(yíng)企業(yè))在促進(jìn)經(jīng)濟(jì)發(fā)展、擴(kuò)大社會(huì)就業(yè)和改善人民生活等方面起著非常重要的作用。目前資金問(wèn)題仍然是制約中小企業(yè)迅速發(fā)展的重要因素,中小企業(yè)融資問(wèn)題尤其是銀行信貸融資問(wèn)題一直是近年來(lái)全球理論界和實(shí)務(wù)界重點(diǎn)關(guān)注的問(wèn)題。多數(shù)的研究都在進(jìn)行純粹的理論分析，或者僅就某一方面進(jìn)行分析，不夠全面，沒(méi)有得出根本性的結(jié)論。基于銀行視角對(duì)中小企業(yè)融資難問(wèn)題進(jìn)行研究的文獻(xiàn)中，很少有學(xué)者結(jié)合社會(huì)實(shí)際進(jìn)行研究。 基于中小企業(yè)融資難這一客觀(guān)事實(shí)，本文對(duì)信貸這一事物的兩方面——中小企業(yè)和銀行進(jìn)行分析，通過(guò)調(diào)查問(wèn)卷的形式研究銀行在對(duì)待中小企業(yè)融資上，本身存在哪些問(wèn)題使得中小企業(yè)信貸道路困難；同時(shí)調(diào)查中小企業(yè)在面對(duì)銀行的貸款要求時(shí)，中小企業(yè)是否能夠滿(mǎn)足銀行要求，其表現(xiàn)如何，進(jìn)而分析在融資難這個(gè)問(wèn)題上中小企業(yè)的“貢獻(xiàn)”有多大。文章共分為五大部分：第一部分：介紹了本文的選題背景及研究意義、文獻(xiàn)綜述、研究方法及研究思路和本文研究的創(chuàng)新點(diǎn)。第二部分：介紹了中小企業(yè)融資的相關(guān)理論以及中小企業(yè)融資現(xiàn)狀。第三部分：首先對(duì)調(diào)查問(wèn)卷的設(shè)計(jì)進(jìn)行描述，其次介紹了銀行自身存在哪些問(wèn)題導(dǎo)致了對(duì)中小企業(yè)融資難，并結(jié)合本次的調(diào)查問(wèn)卷進(jìn)行了分析，同時(shí)根據(jù)分析得出相關(guān)結(jié)論。第四部分：介紹了中小企業(yè)存在的對(duì)融資產(chǎn)生的影響因素，并根據(jù)調(diào)查問(wèn)卷（一）進(jìn)行數(shù)據(jù)分析。第五部分：根據(jù)上文的分析給出了政策建議，并分析了本文的研究局限。 通過(guò)文章的分析，對(duì)得出結(jié)論概括如下： （1）銀行風(fēng)險(xiǎn)管理不規(guī)范增加了銀行面臨的總體風(fēng)險(xiǎn)。 （2）信貸過(guò)程中，銀行的成本控制有待加強(qiáng)。 （3）中小企業(yè)經(jīng)營(yíng)管理存在漏洞，財(cái)務(wù)風(fēng)險(xiǎn)、經(jīng)營(yíng)風(fēng)險(xiǎn)偏高。 （4）中小企業(yè)盈利能力有限，發(fā)展前景不明朗。 （5）中小企業(yè)信用意識(shí)淡薄，信用度普遍偏低。 針對(duì)以上結(jié)論給出了如下建議： （1）從內(nèi)部控制環(huán)境、風(fēng)險(xiǎn)管理和內(nèi)部控制活動(dòng)三方面來(lái)加強(qiáng)風(fēng)險(xiǎn)管理，降低銀行面臨的總體風(fēng)險(xiǎn)。 （2）銀行應(yīng)當(dāng)尋找適合中小企業(yè)的審批流程，同時(shí)做好事前、事中和事后的管理，，減少貸款損失。 （3）中小企業(yè)在經(jīng)營(yíng)過(guò)程中應(yīng)當(dāng)加強(qiáng)管理，降低企業(yè)風(fēng)險(xiǎn)。 （4）在日常經(jīng)營(yíng)過(guò)程中，中小企業(yè)應(yīng)當(dāng)加強(qiáng)信用管理，同時(shí)信用擔(dān)保機(jī)構(gòu)應(yīng)當(dāng)積極發(fā)揮自身作用。
[Abstract]:The enterprise is the main body of market economy, have very important function to national economy. At present, small and medium-sized enterprises (mainly private enterprises) play a very important role in promoting economic development, expanding social employment and improving people's life. At present, the problem of capital is still an important factor restricting the rapid development of SMEs. The financing of SMEs, especially the problem of bank credit financing, has been the focus of attention in the field of global theory and practice in recent years. Most of the studies are purely theoretical analysis, or only on one side of the analysis, is not comprehensive enough, did not draw a fundamental conclusion. In the literature on the financing difficulties of SMEs from the perspective of banks, few scholars combine the social reality. Based on the objective fact that the financing of SMEs is difficult, this paper analyzes the two aspects of credit, small and medium-sized enterprises and banks, through the form of questionnaire to study the bank in the treatment of SME financing, What are the problems that make the credit path of SMEs difficult; at the same time, we investigate whether SMEs can meet the requirements of banks in the face of bank loan requirements, and how they behave. Then it analyzes the contribution of small and medium-sized enterprises on the problem of financing difficulties. The article is divided into five parts: the first part: introduces the background and significance of this paper, literature review, research methods and research ideas and innovative points of this study. The second part: introduces the related theory of SME financing and the status quo of SME financing. The third part describes the design of the questionnaire, and then introduces what problems the banks have caused the financing of SMEs, and combined with the questionnaire to analyze, at the same time, draw the relevant conclusions according to the analysis. The fourth part: introduces the influence factors of SMEs on financing, and carries on the data analysis according to the questionnaire (1). The fifth part: according to the above analysis gives the policy recommendations, and analyzes the limitations of this study. Through the analysis of the article, the conclusions are summarized as follows: Non-standard bank risk management increases the overall risk faced by banks. In the credit process, the cost control of banks needs to be strengthened. Small and medium-sized enterprises have loopholes in operation and management, financial risk and management risk are on the high side. Small and medium-sized enterprises profit ability is limited, the development prospect is not clear. 5) the credit consciousness of small and medium-sized enterprises is weak and the credit degree is generally on the low side. In view of the above conclusions, the following suggestions are given: 1) strengthening risk management from three aspects of internal control environment, risk management and internal control activities to reduce the overall risk faced by banks. Banks should look for a suitable approval process for SMEs, and at the same time, do a good job of management before, during and after, and reduce loan losses. Small and medium-sized enterprises should strengthen management and reduce their risks in the course of operation. In the course of daily operation, small and medium-sized enterprises should strengthen credit management and credit guarantee institutions should play an active role.
【學(xué)位授予單位】：遼寧大學(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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