本文選題：中小企業(yè) + 信用聯(lián)盟��； 參考：《廣西大學(xué)》2014年碩士論文

【摘要】：近年來,中小企業(yè)在我國經(jīng)濟(jì)發(fā)展中起著越來越重要的作用,成為促進(jìn)社會生產(chǎn)力發(fā)展和推動社會主義和諧社會建設(shè)的重要力量。盡管我國中小企業(yè)飛速發(fā)展,支持發(fā)展的資金來源卻十分有限,特別是銀行融資更是難上加難,融資困難嚴(yán)重地阻礙了我國中小企業(yè)的正常有序的發(fā)展。根據(jù)現(xiàn)實(shí)情況,銀行信貸是我國中小企業(yè)最主要的融資渠道和資金來源,銀行開發(fā)適合中小企業(yè)的信貸產(chǎn)品,解決好中小企業(yè)融資問題,銀企將取得雙贏的效果。 本文以信用引致型金融創(chuàng)新理論和中間層組織理論為依據(jù),提出信用聯(lián)盟信貸模式以解決基于信息不對稱理論的中小企業(yè)融資問題。信用聯(lián)盟信貸融資模式是銀行從順應(yīng)市場融資需求的角度進(jìn)行的“引致型”金融創(chuàng)新,多元化中間層的引入不僅可以克服單一中間層的適用范圍狹窄、收益與風(fēng)險不對稱等問題,也可以適應(yīng)各行業(yè)、各區(qū)域發(fā)展現(xiàn)狀,最大限度的利用現(xiàn)有資源,發(fā)揮現(xiàn)有優(yōu)勢,解決企業(yè)信息不公開不對稱的問題,各成員的信用分布進(jìn)行改進(jìn)組合,提升信用聯(lián)盟整體的信譽(yù)邊際水平,達(dá)到抱團(tuán)增信的效果,將“信譽(yù)鏈”最大程度轉(zhuǎn)化為“融資鏈”。 本文首先梳理了中小企業(yè)信用聯(lián)盟信貸模式相關(guān)概念、發(fā)展特征及模式分類,運(yùn)用博弈論模型闡述了模式的實(shí)現(xiàn)機(jī)制及運(yùn)行機(jī)制,通過案例對比與分析指出了中小企業(yè)信用聯(lián)盟信貸模式的理論實(shí)踐、理論7創(chuàng)新及存在的問題,將國外解決中小企業(yè)融資問題的優(yōu)秀經(jīng)驗(yàn)本土化,提出更加符合現(xiàn)實(shí)情況的創(chuàng)新模式,完善各項配套機(jī)制,提高中小企業(yè)信用等級,降低銀企融資風(fēng)險,為銀行金融產(chǎn)品創(chuàng)新和中小企業(yè)融資提供多種可供選擇的方式和平臺,改善中小企業(yè)融資環(huán)境、解決中小企業(yè)融資困難,為推動我國經(jīng)濟(jì)發(fā)展和活躍經(jīng)濟(jì)理論研究,都具有現(xiàn)實(shí)的、長遠(yuǎn)的影響和意義。
[Abstract]:In recent years, small and medium-sized enterprises (SMEs) play a more and more important role in the economic development of our country and become an important force to promote the development of social productive forces and the construction of socialist harmonious society. In spite of the rapid development of small and medium-sized enterprises in our country, the source of funds to support development is very limited, especially the difficulty of bank financing, which seriously hinders the normal and orderly development of small and medium-sized enterprises in our country. According to the actual situation, bank credit is the most important financing channel and source of funds for small and medium-sized enterprises in China. Banks develop credit products suitable for small and medium-sized enterprises, solve the financing problems of small and medium-sized enterprises, and the banks and enterprises will achieve win-win results. Based on the credit induced financial innovation theory and the middle level organization theory, this paper puts forward the credit alliance credit model to solve the financing problem of SMEs based on the information asymmetry theory. The credit union credit financing mode is the "inductive" financial innovation carried out by banks from the point of view of meeting the market financing demand. The introduction of diversified intermediate layer can not only overcome the narrow scope of application of a single intermediate layer. Problems such as asymmetric returns and risks can also be adapted to the current situation of development in various industries and regions, maximize the use of existing resources, give play to existing advantages, and solve the problem of asymmetric information in enterprises. The credit distribution of each member is improved to improve the credit marginal level of the credit union as a whole, to achieve the effect of grouping and increasing the credit, and to transform the "credit chain" into the "financing chain" to the greatest extent. This paper firstly combs the related concepts, development characteristics and classification of the credit model of the credit alliance of small and medium-sized enterprises, and explains the realization mechanism and operation mechanism of the model by using the game theory model. Through the comparison and analysis of cases, this paper points out the theoretical practice, theoretical innovation and existing problems of the credit union credit model of SMEs, and localization of the outstanding experience in solving the financing problem of SMEs abroad. Proposing more realistic innovative models, perfecting various supporting mechanisms, improving the credit rating of small and medium-sized enterprises, reducing the financing risk of banks and enterprises, and providing a variety of alternative ways and platforms for bank financial product innovation and SME financing. Improving the financing environment of small and medium-sized enterprises and solving the financing difficulties of small and medium-sized enterprises have realistic, long-term influence and significance in order to promote the economic development of our country and activate the research of economic theory.
【學(xué)位授予單位】：廣西大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F276.3;F832.4;F275

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