本文選題：利率市場化 + 小微企業(yè)�。� 參考：《安徽財經(jīng)大學(xué)》2014年碩士論文

【摘要】：利率機制在金融體制中的位置舉足輕重,我國長時間的利率管制政策,嚴(yán)重制約了經(jīng)濟的發(fā)展,放松利率管制,實現(xiàn)利率市場化已成為不可避免的趨勢。中國人民銀行于2013年7月20日宣布停止貸款利率的管制,對票據(jù)利率取消管制,開放農(nóng)信社貸款利率上限,個人住房貸款利率的浮動區(qū)間不變。這些信息表明,中國金融改革將再一次開啟。本文力圖為利率市場化條件下優(yōu)化我國小微企業(yè)的融資行為提供一些有益的研究成果。 小微企業(yè)是經(jīng)濟和社會穩(wěn)定發(fā)展的主要力量,但其所獲得的金融資源匱乏也是多年來存在的不爭事實。本文將利率市場化改革融入小微企業(yè)融資問題。首先介紹我國對小微企業(yè)的最新界定,結(jié)合數(shù)據(jù)說明小微企業(yè)在我國經(jīng)濟社會發(fā)展中起到的重要作用,并針對我國小微企業(yè)所面臨的貸款難,資源不足等問題,分析其產(chǎn)生的原因。其次以美日兩國的案例說明利率市場化改革對美日兩國小微企業(yè)融資的影響,結(jié)合我國過去金融抑制環(huán)境給小微企業(yè)融資造成的阻礙,從利率、商業(yè)銀行、融資格局、保險四個方面詳細分析利率市場化條件給我國小微企業(yè)融資所帶來的機遇。然后,選取浙江萬盛機械有限公司融資、招商銀行金融創(chuàng)新緩解小微企業(yè)融資困難以及阿里巴巴資產(chǎn)證券化這三個案例具體闡述利率市場化改革過程中我國金融市場融資環(huán)境發(fā)生的變化及其對融資所產(chǎn)生的影響。本文最后在理論分析的基礎(chǔ)上,借鑒國際同行的先進理念,結(jié)合我國現(xiàn)階段實際,對利率市場化下的小微企業(yè)融資提出了相應(yīng)的意見。
[Abstract]:The interest rate mechanism plays an important role in the financial system. The long-term interest rate control policy in our country has seriously restricted the economic development, relaxed the interest rate control, and realized the interest rate marketization has become the inevitable trend. On July 20, 2013, the people's Bank of China announced that it would stop the control of loan interest rates, deregulate the interest rates on paper, open the upper limit of the interest rates of rural credit cooperatives, and keep the floating range of interest rates on individual housing loans. These messages suggest that China's financial reform will start again. This paper tries to provide some useful research results for optimizing the financing behavior of small and micro enterprises in China under the condition of interest rate marketization. Small and micro enterprises are the main force for the stable development of economy and society, but the lack of financial resources obtained by them is an indisputable fact for many years. This article will interest rate marketization reform into the small and micro enterprise financing problem. First of all, it introduces the latest definition of small and micro enterprises in our country, explains the important role that small and micro enterprises play in the economic and social development of our country, and aims at the problems of loan difficulties and insufficient resources faced by small and micro enterprises in our country. Analyze the causes of its occurrence. Secondly, the cases of the United States and Japan illustrate the impact of the interest rate market-oriented reform on the financing of small and micro enterprises in the United States and Japan. Combining with the obstacles caused by our country's past financial repression environment to the financing of small and micro enterprises, from the interest rate, the commercial banks, the financing pattern, Four aspects of insurance detailed analysis of interest rate marketization conditions for small and micro enterprises financing opportunities. Then, select Zhejiang Wansheng Machinery Co., Ltd. financing, China Merchants Bank financial innovation to alleviate the financing difficulties of small and micro enterprises and Alibaba asset securitization in the process of interest rate market-oriented reform of the financial environment in China's financial market changes and its impact on financing. Finally, on the basis of theoretical analysis, with reference to the advanced ideas of international counterparts and the reality of our country at the present stage, this paper puts forward corresponding opinions on the financing of small and micro enterprises under the marketization of interest rate.
【學(xué)位授予單位】：安徽財經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.4;F276.3

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本文編號：2026810