我國中小企業(yè)融資渠道創(chuàng)新研究
發(fā)布時間：2018-10-09 18:33
【摘要】： 在當(dāng)今各國經(jīng)濟(jì)與社會發(fā)展中，中小企業(yè)發(fā)揮著巨大的作用。在我國，改革開放以來，雖然以中小企業(yè)為主體的非國有經(jīng)濟(jì)快速增長，但由于當(dāng)時中國經(jīng)濟(jì)長期保持較快的增長勢頭，中小企業(yè)的發(fā)展問題一直沒有得到社會各界的足夠關(guān)注。20世紀(jì)80年代以來，隨著國內(nèi)外經(jīng)濟(jì)環(huán)境的變化和我國經(jīng)濟(jì)改革的深入，中小企業(yè)的一些重要功能，如充當(dāng)經(jīng)濟(jì)引擎，創(chuàng)造就業(yè)機(jī)會以及技術(shù)創(chuàng)新等開始為中國各界所認(rèn)可。作為市場經(jīng)濟(jì)中最具活力的一個企業(yè)群體，中小企業(yè)的發(fā)展也成為事關(guān)中國經(jīng)濟(jì)全局的一個焦點。在中小企業(yè)發(fā)展所面臨的眾多問題中，融資問題首當(dāng)其沖。盡管我國政府出臺了一系列支持、促進(jìn)中小企業(yè)融資的政策和法規(guī)，這些政策法規(guī)也取得了一定的效果，但由于中小企業(yè)融資問題的解決是一個復(fù)雜的系統(tǒng)工程，各項工作還處于起步和探索階段，中國中小企業(yè)的融資“瓶頸”問題依舊十分嚴(yán)重。 本文通過廣泛搜集國內(nèi)外報刊、書籍、雜志及互聯(lián)網(wǎng)的有關(guān)資料，從中小企業(yè)存在的重要意義出發(fā)，研究了中小企業(yè)融資的相關(guān)理論，對我國中小企業(yè)融資狀況進(jìn)行了分析，并借鑒其他國家的成功經(jīng)驗和做法，結(jié)合我國的實際情況，提出解決我國中小企業(yè)融資難問題的對策。通過比較各種金融機(jī)構(gòu)對中小企業(yè)融資的優(yōu)劣勢和各自的風(fēng)險偏好，本文認(rèn)為較合理和可行的市場定位是，重點發(fā)展地方民營金融機(jī)構(gòu)，為中小企業(yè)服務(wù)。在鼓勵融資渠道創(chuàng)新方面，推廣海外上市經(jīng)驗，加快建設(shè)我國中小企業(yè)板市場。在健全融資組織體系方面，建立和完善商業(yè)銀行的相應(yīng)服務(wù)機(jī)構(gòu)，，建立完善的、多層次的資本市場體系和中小企業(yè)信用擔(dān)保體系。
[Abstract]:In the current economic and social development of countries, small and medium-sized enterprises play a huge role. In our country, since the reform and opening up, although the non-state-owned economy with small and medium-sized enterprises as the main body has grown rapidly, but the Chinese economy at that time maintained a relatively fast growth momentum for a long time. The development of small and medium-sized enterprises has not received enough attention from all walks of life. Since the 1980s, with the changes of economic environment at home and abroad and the deepening of China's economic reform, some important functions of small and medium-sized enterprises, such as acting as economic engines, Job creation and technological innovation began to be recognized by all walks of life in China. As the most dynamic group of enterprises in the market economy, the development of small and medium-sized enterprises has become a focus of the overall situation of China's economy. In the development of small and medium-sized enterprises facing many problems, financing problems bear the brunt. Although our government has issued a series of policies and regulations to promote the financing of small and medium-sized enterprises, these policies and regulations have also achieved certain results. However, the solution to the financing problems of SMEs is a complex system engineering. All kinds of work are still at the beginning and exploring stage, the financing bottleneck of Chinese small and medium-sized enterprises is still very serious. Based on the extensive collection of domestic and foreign newspapers, books, magazines and Internet information, this paper studies the relevant theory of SME financing from the important significance of the existence of SMEs, and analyzes the financing situation of SMEs in China. Based on the successful experiences and practices of other countries and the actual situation of our country, this paper puts forward some countermeasures to solve the problem of financing difficulties of small and medium-sized enterprises in our country. By comparing the advantages and disadvantages of various financial institutions to the financing of small and medium-sized enterprises and their respective risk preferences, this paper holds that the more reasonable and feasible market orientation is to focus on the development of local private financial institutions to serve small and medium-sized enterprises. In the aspect of encouraging the innovation of financing channel, popularizing overseas listing experience and speeding up the construction of Chinese SME board market. In the aspect of perfecting the financing organization system, we should establish and perfect the corresponding service organizations of the commercial banks, establish the perfect and multi-level capital market system and the credit guarantee system of the small and medium-sized enterprises.
【學(xué)位授予單位】：西安電子科技大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2006
【分類號】：F275
本文編號：2260351
[Abstract]:In the current economic and social development of countries, small and medium-sized enterprises play a huge role. In our country, since the reform and opening up, although the non-state-owned economy with small and medium-sized enterprises as the main body has grown rapidly, but the Chinese economy at that time maintained a relatively fast growth momentum for a long time. The development of small and medium-sized enterprises has not received enough attention from all walks of life. Since the 1980s, with the changes of economic environment at home and abroad and the deepening of China's economic reform, some important functions of small and medium-sized enterprises, such as acting as economic engines, Job creation and technological innovation began to be recognized by all walks of life in China. As the most dynamic group of enterprises in the market economy, the development of small and medium-sized enterprises has become a focus of the overall situation of China's economy. In the development of small and medium-sized enterprises facing many problems, financing problems bear the brunt. Although our government has issued a series of policies and regulations to promote the financing of small and medium-sized enterprises, these policies and regulations have also achieved certain results. However, the solution to the financing problems of SMEs is a complex system engineering. All kinds of work are still at the beginning and exploring stage, the financing bottleneck of Chinese small and medium-sized enterprises is still very serious. Based on the extensive collection of domestic and foreign newspapers, books, magazines and Internet information, this paper studies the relevant theory of SME financing from the important significance of the existence of SMEs, and analyzes the financing situation of SMEs in China. Based on the successful experiences and practices of other countries and the actual situation of our country, this paper puts forward some countermeasures to solve the problem of financing difficulties of small and medium-sized enterprises in our country. By comparing the advantages and disadvantages of various financial institutions to the financing of small and medium-sized enterprises and their respective risk preferences, this paper holds that the more reasonable and feasible market orientation is to focus on the development of local private financial institutions to serve small and medium-sized enterprises. In the aspect of encouraging the innovation of financing channel, popularizing overseas listing experience and speeding up the construction of Chinese SME board market. In the aspect of perfecting the financing organization system, we should establish and perfect the corresponding service organizations of the commercial banks, establish the perfect and multi-level capital market system and the credit guarantee system of the small and medium-sized enterprises.
【學(xué)位授予單位】：西安電子科技大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2006
【分類號】：F275
【引證文獻(xiàn)】
相關(guān)期刊論文 前1條
1 譚小芳;;中國中小企業(yè)融資新渠道探究[J];經(jīng)濟(jì)與管理;2008年09期
相關(guān)碩士學(xué)位論文 前1條
1 馮丹麗;NG銀行四川分行中小企業(yè)融資業(yè)務(wù)發(fā)展探析[D];西南財經(jīng)大學(xué);2010年
本文編號：2260351
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