【摘要】：縣域經(jīng)濟(jì)是我國(guó)國(guó)民經(jīng)濟(jì)的基礎(chǔ),而縣域經(jīng)濟(jì)的主體是縣域中小企業(yè)。縣域中小企業(yè)的發(fā)展離不開良好的金融環(huán)境和高效的金融支持。近年來由于多種原因,我國(guó)縣域金融在為中小企業(yè)提供服務(wù)時(shí)遇到了很多來自自身和外界環(huán)境的難題,這在一定程度上制約著縣域中小企業(yè)的發(fā)展壯大,也阻礙了縣域金融服務(wù)本身的提升。如何解決這些問題,提升縣域金融服務(wù)水平,以更好地促進(jìn)中小企業(yè)的發(fā)展,是這篇文章探討的問題。論文在分析了中外學(xué)者有關(guān)金融支持與經(jīng)濟(jì)增長(zhǎng)的相關(guān)文獻(xiàn)的基礎(chǔ)上,結(jié)合我國(guó)縣域金融服務(wù)中小企業(yè)的供求現(xiàn)狀,深入剖析了我國(guó)縣域金融服務(wù)存在的問題及其原因。并利用VAR模型,分析了晉城市縣域金融服務(wù)對(duì)中小企業(yè)發(fā)展的作用。之后,運(yùn)用歸納演繹的方法總結(jié)了美國(guó)、日本和德國(guó)金融服務(wù)對(duì)中小企業(yè)的支持經(jīng)驗(yàn)。本文借鑒了國(guó)外金融服務(wù)支持中小企業(yè)發(fā)展的經(jīng)驗(yàn),結(jié)合了我國(guó)縣域金融服務(wù)的實(shí)際情況,有針對(duì)性的提出了縣域金融服務(wù)從機(jī)構(gòu)創(chuàng)新、產(chǎn)品創(chuàng)新、業(yè)務(wù)創(chuàng)新和外部環(huán)境建設(shè)等路徑提升自身能力,支持縣域中小企業(yè)發(fā)展的支持策略。這些策略主要包括：從機(jī)構(gòu)創(chuàng)新角度講,要明確身份地位、加大扶持引導(dǎo)、提升服務(wù)能力；從產(chǎn)品創(chuàng)新層面來講,要完善金融產(chǎn)品供給結(jié)構(gòu)、改善支付結(jié)算方式；在業(yè)務(wù)創(chuàng)新方面,要建立中小企業(yè)信用擔(dān)保機(jī)構(gòu)、大力發(fā)展中小企業(yè)保險(xiǎn)業(yè)務(wù)；在外部環(huán)境建設(shè)方面,要培育良好的信用環(huán)境、健全法制環(huán)境建設(shè)。
[Abstract]:County economy is the foundation of our national economy, and the main body of county economy is county small and medium-sized enterprises. The development of small and medium-sized enterprises in county is inseparable from good financial environment and efficient financial support. In recent years, for various reasons, the county finance in our country has encountered a lot of difficulties from its own and external environment when providing services to small and medium-sized enterprises, which to a certain extent restricts the development and growth of small and medium-sized enterprises in the county area. It also hinders the promotion of the county financial service itself. How to solve these problems, to improve the level of financial services in the county, in order to better promote the development of small and medium-sized enterprises, is discussed in this article. On the basis of analyzing the relevant literature of Chinese and foreign scholars on financial support and economic growth, combined with the present situation of supply and demand of small and medium-sized enterprises in county financial service, the paper deeply analyzes the existing problems and reasons of financial service in county area of our country. Using VAR model, this paper analyzes the function of financial services in Jincheng county to the development of small and medium-sized enterprises. After that, the paper summarizes the experience of financial services in support of SMEs in America, Japan and Germany by inductive and deductive methods. This paper draws lessons from the experience of foreign financial services supporting the development of small and medium-sized enterprises, combines the actual situation of our country's county financial services, and puts forward the county financial services from institutional innovation, product innovation, Business innovation and external environment construction to enhance their own ability to support the development of small and medium-sized enterprises in the county support strategy. These strategies mainly include: from the perspective of institutional innovation, we should clarify the status of identity, increase support and guidance, enhance the ability of service, improve the supply structure of financial products and improve the payment and settlement methods from the aspect of product innovation. In terms of business innovation, it is necessary to establish credit guarantee institutions for small and medium-sized enterprises and to vigorously develop the insurance business of small and medium-sized enterprises, and to foster a good credit environment and perfect the legal environment in the construction of external environment.
【學(xué)位授予單位】：天津財(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)】：F832.4;F276.3

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本文編號(hào)：2217974