【摘要】：自2008年以來，由于美國金融產(chǎn)品以及一系列金融衍生品泡沫引發(fā)了危機(jī)整個(gè)國際金融市場(chǎng)的金融海嘯，全球經(jīng)濟(jì)急速衰退�；诖吮尘跋�，我國經(jīng)濟(jì)受到了前所未有的影響。近幾年來，中小企業(yè)在我國地位之關(guān)鍵開始顯露，受到了各界的關(guān)注，它的發(fā)展?fàn)縿?dòng)著中國經(jīng)濟(jì)的神經(jīng)線。因?yàn)橹行∑髽I(yè)的活力不僅關(guān)系到該地區(qū)的經(jīng)濟(jì)活力，而且還與整個(gè)社會(huì)的繁榮和諧穩(wěn)定息息相關(guān)。盡管此前受到金融危機(jī)的影響，但是在政府的大力支持下，在社會(huì)各方機(jī)構(gòu)的配合下，很快中小企業(yè)有了較大的發(fā)展。改革開放30多年以來，內(nèi)蒙古中小企業(yè)有了高效的發(fā)展，已經(jīng)一舉躍為內(nèi)蒙古自治區(qū)經(jīng)濟(jì)發(fā)展的中流砥柱，對(duì)內(nèi)蒙古地區(qū)的經(jīng)濟(jì)發(fā)展具有無人可敵的貢獻(xiàn)。但是現(xiàn)階段，由于中小企業(yè)自己、金融機(jī)構(gòu)以及政府機(jī)關(guān)等各方面的原因，融資難已經(jīng)成為中小企業(yè)發(fā)展過程中的主要障礙。那么關(guān)于內(nèi)蒙古自治區(qū)中小企業(yè)融資困難原因解析方面的理論研究也不計(jì)其數(shù)，如：中小企業(yè)自身的原因，現(xiàn)有的銀行管理體制不合理，政府對(duì)中小企業(yè)的融資支持強(qiáng)度不夠，中小企業(yè)融資信貸擔(dān)保機(jī)構(gòu)不完善，還有當(dāng)下資本市場(chǎng)對(duì)中小企業(yè)的排斥等各種原因。 解決融資難問題，對(duì)內(nèi)蒙古自治區(qū)的經(jīng)濟(jì)發(fā)展有很大的促進(jìn)作用，并且還能積極維護(hù)社會(huì)安定。那么到底中小企業(yè)該如何才能擺脫當(dāng)前的融資困境，我們根據(jù)內(nèi)蒙古中小企業(yè)自身的融資情況找到答案。 基于對(duì)內(nèi)蒙古自治區(qū)中小企業(yè)的分析，以及對(duì)內(nèi)蒙古自治區(qū)的融資問題狀況的研究，提出有關(guān)改進(jìn)內(nèi)蒙古中小企業(yè)融資狀況的意見建議，有以下幾點(diǎn)：從企業(yè)自身出發(fā)，中小企業(yè)應(yīng)該在提高自身經(jīng)營管理水平的基礎(chǔ)下，，更要注重其內(nèi)部融資，以此提升自己的資本累積能力，為融資創(chuàng)造有利條件。從銀行等信貸機(jī)構(gòu)方面出發(fā)，要開展金融產(chǎn)品的創(chuàng)新，提高銀行等信貸金融機(jī)構(gòu)對(duì)內(nèi)蒙古中小企業(yè)融資的有效支持，在此過程中對(duì)其信用機(jī)制進(jìn)行完善，大力培養(yǎng)中小金融機(jī)構(gòu)的發(fā)展。從政府支持中小企業(yè)融資方面出發(fā)，加強(qiáng)對(duì)其的財(cái)政補(bǔ)貼及投融資支持，完善對(duì)其的融資政策法規(guī)建設(shè)，加強(qiáng)對(duì)民間資本借貸的規(guī)范和管理。 文章通過對(duì)內(nèi)蒙古中小企業(yè)融資問題的原因進(jìn)行分析研究，發(fā)現(xiàn)了一些解決融資難為題的規(guī)律，提出了一些解決融資問題的個(gè)人見解和意見，希望對(duì)解決融資問題有所幫助。本文的不足之處在于本文的不足之處主要在于對(duì)內(nèi)蒙古自治區(qū)中小企業(yè)融資現(xiàn)狀、成因和對(duì)策的實(shí)證分析尚不充分,有待于在今后的研究中進(jìn)一步完善和深化。
[Abstract]:Since 2008, the global economy has slumped as U.S. financial products and a series of financial derivatives bubbles triggered a financial tsunami that threatened the entire international financial market. Based on this background, China's economy has been unprecedented impact. In recent years, the key to the status of small and medium-sized enterprises in China has begun to show, has received attention from all walks of life, its development affects the Chinese economy. Because the vitality of small and medium-sized enterprises is not only related to the economic vitality of the region, but also closely related to the prosperity, harmony and stability of the whole society. Although previously affected by the financial crisis, but with the strong support of the government, with the cooperation of various social organizations, small and medium-sized enterprises have developed rapidly. Since the reform and opening up for more than 30 years, the small and medium-sized enterprises in Inner Mongolia have developed efficiently, and have become the mainstay of the economic development of Inner Mongolia Autonomous region, and have made no enemy contribution to the economic development of Inner Mongolia. However, at present, due to the reasons of SMEs themselves, financial institutions and government agencies, the difficulty of financing has become the main obstacle in the development of SMEs. Well, there are countless theoretical studies on the causes of financing difficulties for small and medium-sized enterprises in Inner Mongolia Autonomous region. For example, the reasons for SMEs themselves, the unreasonable banking management system and the insufficient intensity of government financing support for small and medium-sized enterprises. SMEs financing credit guarantee institutions are not perfect, and the current capital market exclusion of SMEs and other reasons. Solving the problem of financing can promote the economic development of Inner Mongolia Autonomous region and actively maintain social stability. So how can small and medium-sized enterprises get rid of the current financing dilemma, we find out the answer according to the financing situation of Inner Mongolia SMEs. Based on the analysis of the small and medium-sized enterprises in Inner Mongolia Autonomous region and the research on the financing problems of the Inner Mongolia Autonomous region, this paper puts forward some suggestions for improving the financing situation of the small and medium-sized enterprises in Inner Mongolia. There are the following points: starting from the enterprises themselves, On the basis of improving their management level, small and medium-sized enterprises should pay more attention to their internal financing so as to enhance their capital accumulation ability and create favorable conditions for financing. From the perspective of banks and other credit institutions, it is necessary to carry out innovations in financial products, improve the effective support of banks and other credit financial institutions to the financing of small and medium-sized enterprises in Inner Mongolia, and improve their credit mechanisms in the process. We will vigorously train the development of small and medium-sized financial institutions. In order to support the financing of small and medium-sized enterprises, the government should strengthen its financial subsidy and investment and financing support, perfect the construction of its financing policies and regulations, and strengthen the regulation and management of private capital borrowing. Based on the analysis of the causes of the financing problems of small and medium-sized enterprises in Inner Mongolia, this paper finds out some rules of solving the financing problems, and puts forward some personal opinions and opinions on how to solve the financing problems, hoping to be helpful to solve the financing problems. The deficiency of this paper is that the present situation of financing of small and medium-sized enterprises in Inner Mongolia Autonomous region, the causes and countermeasures of empirical analysis is not sufficient, and need to be further improved and deepened in the future research.
【學(xué)位授予單位】：內(nèi)蒙古師范大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.4;F276.3

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本文編號(hào)：2152103