發(fā)布時(shí)間：2018-06-18 00:06

  本文選題：小微企業(yè) + 融資�。� 參考：《安徽財(cái)經(jīng)大學(xué)》2014年碩士論文

【摘要】：隨著我國(guó)產(chǎn)業(yè)結(jié)構(gòu)的不斷調(diào)整、經(jīng)濟(jì)改革的不斷深化,小微企業(yè)已成為我國(guó)國(guó)民經(jīng)濟(jì)運(yùn)行中不可忽視的力量。小微企業(yè)在調(diào)整經(jīng)濟(jì)結(jié)構(gòu)、轉(zhuǎn)變經(jīng)濟(jì)增長(zhǎng)方式、增加就業(yè)、創(chuàng)造稅收、促進(jìn)科技創(chuàng)新、擴(kuò)大投資需求、縮短城鄉(xiāng)差距等方面都發(fā)揮著極其重要的作用,成為經(jīng)濟(jì)的重要組成部分和經(jīng)濟(jì)增長(zhǎng)的重要?jiǎng)恿Α?本文首先通過對(duì)小微企業(yè)的融資結(jié)構(gòu)理論、融資需求與供給理論進(jìn)行分析,得出信息不對(duì)稱等是小微企業(yè)融資難的一般原因。 其次,通過調(diào)查安徽省小微企業(yè)金融供給與需求的實(shí)際情況,得出金融需求明顯大于金融供給的結(jié)論,以此說明安徽省金融供求不平衡的關(guān)系。 再次,一方面總結(jié)并評(píng)價(jià)安徽省已形成的“1+7”政策體系實(shí)施的現(xiàn)狀及效果；另一方面選擇小微企業(yè)發(fā)展較好的國(guó)家、和國(guó)內(nèi)較為發(fā)達(dá)的省份以及小微企業(yè)發(fā)展?fàn)顩r與安徽省相近的省份作為比較與借鑒的對(duì)象。在比較的基礎(chǔ)上,為我省利用金融創(chuàng)新支持小微企業(yè)發(fā)展提供有益的經(jīng)驗(yàn)。 然后,從地方金融機(jī)構(gòu)與金融工具兩方面對(duì)支持安徽省小微企業(yè)發(fā)展進(jìn)行創(chuàng)新分析。促進(jìn)大型商業(yè)銀行創(chuàng)新信貸產(chǎn)品開發(fā)、創(chuàng)新服務(wù)的同時(shí)要積極發(fā)展城市商業(yè)銀行、小額貸款公司和村鎮(zhèn)銀行等中小型金融機(jī)構(gòu)。 最后,對(duì)各級(jí)政府和相關(guān)金融機(jī)構(gòu)提出完善法律保障體系；創(chuàng)建良好的地方金融發(fā)展環(huán)境,推進(jìn)小微企業(yè)融資的金融改革創(chuàng)新；積極建立和完善小微企業(yè)信用擔(dān)保體系；建立信用評(píng)級(jí)體系,加快建立健全征信系統(tǒng)；積極開拓小微企業(yè)融資的直接渠道；金融監(jiān)管部門要對(duì)金融機(jī)構(gòu)差異化監(jiān)管；銀行業(yè)金融機(jī)構(gòu)要不斷創(chuàng)新小微企業(yè)服務(wù)方式,提升金融服務(wù)水平和構(gòu)建好信用擔(dān)保機(jī)制與規(guī)范發(fā)展設(shè)備租賃的支持建議。
[Abstract]:With the constant adjustment of industrial structure and the deepening of economic reform, small and micro enterprises have become a force that can not be ignored in the operation of our national economy. Small and micro enterprises play an extremely important role in adjusting the economic structure, changing the mode of economic growth, increasing employment, creating taxes, promoting scientific and technological innovation, expanding investment demand, and narrowing the gap between urban and rural areas. To become an important part of the economy and an important driving force for economic growth. Firstly, through the analysis of financing structure theory, financing demand and supply theory of small and micro enterprises, it is concluded that asymmetric information is the general reason for financing difficulties of small and micro enterprises. Secondly, by investigating the actual situation of financial supply and demand of small and micro enterprises in Anhui Province, we draw the conclusion that the financial demand is obviously larger than the financial supply and demand, so as to explain the imbalance between financial supply and demand in Anhui Province. Thirdly, on the one hand, it summarizes and evaluates the present situation and effect of the implementation of the "17" policy system formed in Anhui Province; on the other hand, it selects the countries with better development of small and micro enterprises. Compared with the more developed provinces and the development of small and micro enterprises in Anhui province as the object of comparison and reference. On the basis of comparison, it provides useful experience for our province to use financial innovation to support the development of small and micro enterprises. Then, this paper analyzes the innovation of local financial institutions and financial instruments to support the development of small and micro enterprises in Anhui Province. To promote the development of innovative credit products for large commercial banks, we should actively develop small and medium-sized financial institutions such as urban commercial banks, small loan companies and village banks, as well as innovative services. Finally, to the governments and related financial institutions at all levels to improve the legal protection system, to create a good local financial development environment, to promote the financial reform and innovation of small and micro enterprises financing, to establish and improve the credit guarantee system of small and micro enterprises; Establish a credit rating system, speed up the establishment of a sound credit system; actively open up direct channels for financing small and micro enterprises; financial regulatory authorities should regulate the differentiation of financial institutions; banking institutions should constantly innovate the service mode of small and micro enterprises. To improve the level of financial services and build a good credit guarantee mechanism and standardize the development of equipment leasing support proposals.
【學(xué)位授予單位】：安徽財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F276.3;F275;F832.4

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