本文選題：中小企業(yè) + 貸款難��； 參考：《山東大學》2014年碩士論文

【摘要】：改革開放三十多年以來,我國經濟發(fā)展取得了長足進步,中小企業(yè)在我國國民經濟的發(fā)展中扮演的角色日益重要,現(xiàn)在已經成為我國國民經濟的重要組成部分和促進我國科技創(chuàng)新和社會發(fā)展的重要驅動力。雖然我國中小企業(yè)取得了長足發(fā)展,但是其面臨的環(huán)境卻不甚樂觀,其中融資難的問題尤為突出。造成中小企業(yè)融資難的原因既有中小企業(yè)自身的原因,如：企業(yè)規(guī)模小、資金總量不足、缺乏信用體系、擔保難、未來發(fā)展前景模糊等；也有大中型商業(yè)銀行方面的原因,如：大中型商業(yè)銀行“抓大放小”的信貸策略、工作效率低下等。在這種情況下,如何解決大中型商業(yè)銀行同中小企業(yè)的這種矛盾就對解決中小企業(yè)融資難的問題至關重要。本文研究的重要問題就是要面對這種矛盾,大中型商業(yè)銀行應該采取什么樣的信貸策略才能夠既能有效解決中小企業(yè)融資難的問題,又能在減少風險的同時為大中型商業(yè)銀行增加收入。在技術思路上,本文采用理論和案例相結合以及綜合模糊分析的技術手法,從理論和實際的角度來研究我國中小企業(yè)從大中型商業(yè)銀行融資難的問題,并在此基礎上力求尋找到解決這個問題的答案。綜合模糊理論主要觀點是：對立統(tǒng)一、量質互變、物極必反、周期變化,是事物發(fā)展變化的基本規(guī)律；貸款市場具有不確定性,多數(shù)情況下,銀行是在非對稱信息條件下做出決策；研究方法上,把研究對象作為一個整體,采用全面、聯(lián)系、發(fā)展的觀點分析問題,在非對稱信息條件下,決策依據或目標函數(shù)是：判斷研究對象“當前所處周期的相對位置”、及其“未來一段時間變化趨勢之可能性”�？梢�,綜合模糊理論的認識基礎和分析邏輯,更符合貸款的狀況。在具體結構安排上,本文首先從全局的角度對我國中小企業(yè)融資現(xiàn)狀作出分析說明；通過案例總結出我國大中型商業(yè)銀行對中小企業(yè)融資的現(xiàn)有策略的不足之處,并且進一步分析造成這種問題的原因；然后運用綜合模糊分析法對比分析了大、中小企業(yè)的貸款難易程度,最后通過前面的分析從大中型商業(yè)銀行、企業(yè)和社會的角度提出行之有效的建議。
[Abstract]:Since more than 30 years of reform and opening up, China's economic development has made considerable progress, and small and medium-sized enterprises (SMEs) play an increasingly important role in the development of our national economy. Now it has become an important part of our national economy and an important driving force to promote scientific and technological innovation and social development. Although small and medium-sized enterprises in our country have made great progress, the environment they face is not very optimistic, especially the problem of difficult financing. The reasons for the financing difficulties of small and medium-sized enterprises are not only the small and medium-sized enterprises themselves, such as the small scale of enterprises, the insufficient amount of funds, the lack of credit system, the difficulty of guarantee, the ambiguity of the future development prospects, and so on; there are also reasons for the large and medium-sized commercial banks. Such as: large and medium-sized commercial banks, "grasp the small" credit strategy, low efficiency, and so on. In this case, how to solve the contradiction between medium and large commercial banks and SMEs is very important to solve the financing difficulties of SMEs. The important problem studied in this paper is to face this contradiction. What kind of credit strategy should be adopted by large and medium-sized commercial banks in order to effectively solve the problem of financing difficulties for small and medium-sized enterprises? At the same time to reduce risk for large and medium-sized commercial banks to increase income. In terms of technical thinking, this paper uses the combination of theory and case and comprehensive fuzzy analysis to study the financing difficulties of small and medium-sized enterprises in China from the angle of theory and practice. On this basis, we try to find a solution to this problem. The main points of view of comprehensive fuzzy theory are: unity of opposites, mutual change of quantity and quality, extreme reversal and periodic change, which are the basic laws of the development and change of things; the loan market is uncertain, and in most cases, Banks make decisions under the condition of asymmetric information, and the research methods take the research object as a whole, adopt the viewpoint of comprehensive, contact and development, and analyze the problem under the condition of asymmetric information. The decision basis or objective function is to judge the "relative position of the current period" and "the possibility of future trends". Thus, the comprehensive fuzzy theory of understanding and analysis logic, more in line with the situation of loans. In the specific structure arrangement, this article first from the overall situation angle to our country small and medium-sized enterprise financing present situation to make the analysis explanation, through the case summary our country big and medium-sized commercial bank to the small and medium-sized enterprise financing present strategy insufficiency, And further analysis of the causes of this problem; then the use of comprehensive fuzzy analysis method to compare and analyze the large, small and medium-sized enterprises of the difficult degree of loans, and finally through the previous analysis from the large and medium-sized commercial banks, Put forward effective suggestions from the angle of enterprise and society.
【學位授予單位】：山東大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.4;F276.3

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