發(fā)布時(shí)間：2018-03-07 19:16

  本文選題：小微企業(yè)　切入點(diǎn)：融資生態(tài)圈　出處：《昆明理工大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

【摘要】：近年來互聯(lián)網(wǎng)金融的發(fā)展,為我國(guó)金融行業(yè)注入了新的生命力,在一定程度上解決了小微企業(yè)融資難的問題。信貸平臺(tái)的發(fā)展使得信貸模式呈現(xiàn)多元化,但其安全性也引起了社會(huì)的廣泛關(guān)注。自2008年至今,我國(guó)小微融資企業(yè)迅猛發(fā)展。在一定程度上有效的解決了小微企業(yè)的融資困難,但是由于國(guó)內(nèi)監(jiān)管政策、宏觀經(jīng)濟(jì)環(huán)境以及小額貸款公司自身市場(chǎng)定位等原因,其面臨著資金不足、籌資融資困難等問題。僅2015年1月到3月期間,全國(guó)出現(xiàn)問題的信貸平臺(tái)就有160余家,這極大的擾亂了信貸市場(chǎng)的秩序,嚴(yán)重?fù)p害了企業(yè)的利益。而一些小微企業(yè)為了獲取必需資金,甚至不惜向民間的信貸機(jī)構(gòu)借貸,高額利息支出使得小微企業(yè)經(jīng)營(yíng)雪上加霜。如何在現(xiàn)有的金融市場(chǎng)環(huán)境下,營(yíng)造一個(gè)健康、安全綠色生態(tài)的信貸平臺(tái)來保障小微企業(yè)的合法權(quán)益,這是目前社會(huì)關(guān)注的焦點(diǎn)問題,也是學(xué)術(shù)界研究的熱點(diǎn)問題。本文從企業(yè)融資理論出發(fā),對(duì)小微企業(yè)融資的金融學(xué)、管理學(xué)進(jìn)行理論基礎(chǔ)性分析;以小微企業(yè)融資作為研究對(duì)象,結(jié)合目前小微企業(yè)融資現(xiàn)狀,通過制度環(huán)境、核心企業(yè)的選擇、融資生態(tài)圈的關(guān)系網(wǎng)和價(jià)值網(wǎng)建立及融資生態(tài)圈運(yùn)行的良性機(jī)制等途徑,構(gòu)建以M公司為核心的小微企業(yè)融資生態(tài)圈,通過機(jī)制設(shè)計(jì)解決小微企業(yè)的融資難題,促進(jìn)小微企業(yè)的健康發(fā)展,同時(shí)也為我國(guó)小微金融機(jī)構(gòu)的發(fā)展方向提供一定的參考。
[Abstract]:In recent years, the development of Internet finance has injected new vitality into the financial industry of our country, and to some extent has solved the problem of financing difficulty of small and micro enterprises. Since 2008, the small and micro financing enterprises in China have developed rapidly. To some extent, it has effectively solved the financing difficulties of small and micro enterprises, but due to the domestic regulatory policy, The macroeconomic environment and the market positioning of microfinance companies face problems such as insufficient funds and difficulties in raising funds. Between January 2015 and March alone, there were more than 160 credit platforms with problems across the country. This has greatly disrupted the order of the credit market and seriously damaged the interests of enterprises. In order to obtain the necessary funds, some small and micro enterprises even did not hesitate to borrow from private credit institutions. High interest payments make small and micro businesses worse off. How to create a healthy, safe and green ecological credit platform to protect the legitimate rights and interests of small and micro enterprises in the existing financial market environment, This is the focus of the current social concern, but also a hot issue of academic research. This paper, based on the theory of corporate financing, makes a theoretical analysis of finance and management of small and micro enterprises. Taking the financing of small and micro enterprises as the research object, combining with the current situation of financing of small and micro enterprises, through the institutional environment, the choice of core enterprises, the relationship network and value network of the financing ecological circle and the benign mechanism of the operation of the financing ecosystem, etc. In order to promote the healthy development of small and micro enterprises, this paper constructs a small and micro enterprise financing ecological circle with M company as the core, solves the financing problem of small and micro enterprises through mechanism design, and also provides some references for the development direction of small and micro financial institutions in China.
【學(xué)位授予單位】：昆明理工大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F832.4;F276.3

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