【摘要】：根據(jù)工信部的數(shù)據(jù)顯示，目前我國小微企業(yè)的數(shù)量超過1000萬，占全國企業(yè)總數(shù)的95.8%。小微企業(yè)對我國GDP的貢獻(xiàn)率超過60%,對稅收的貢獻(xiàn)率達(dá)到50%，并創(chuàng)造了70%的創(chuàng)新成果,對城鎮(zhèn)就業(yè)的貢獻(xiàn)占總就業(yè)人口的80%。這表明，小微企業(yè)在我國經(jīng)濟(jì)發(fā)展中具有重要作用。但是，小微企業(yè)信貸融資不足制約了小微企業(yè)的發(fā)展，，而導(dǎo)致小微企業(yè)信貸融資不足的一個重要原因是我國小微企業(yè)信貸融資制度不完善。因此，本文將在研究我國小微企業(yè)信貸融資制度問題的基礎(chǔ)上，提出制度改進(jìn)意見，支持我國小微企業(yè)發(fā)展。 本文通過對小微企業(yè)信貸融資現(xiàn)狀和信貸融資不足原因分析，總結(jié)出我國現(xiàn)行信貸融資制度不健全是制約小微企業(yè)信貸融資的重要因素，并借鑒日本和美國支持小微企業(yè)信貸融資制度方面經(jīng)驗(yàn)，提出調(diào)整小微企業(yè)信貸融資金融組織制度結(jié)構(gòu)、完善小微企業(yè)信貸融資風(fēng)險控制制度、健全小微企業(yè)信貸融資定價制度、完善小微企業(yè)不良貸款處置制度等建議。
[Abstract]:According to the data of the Ministry of Industry and Information Technology, the number of small and micro enterprises in China is over 10 million, accounting for 95.8% of the total number of enterprises in China. The contribution rate of small and micro enterprises to China's GDP is more than 60%, and the contribution rate to tax revenue is 50%, and 70% of the innovative results have been created, and the contribution to urban employment accounts for 80% of the total employed population. This indicates that small and micro enterprises play an important role in the economic development of our country. However, the lack of credit financing of small and micro enterprises restricts the development of small and micro enterprises, and one of the important reasons leading to the shortage of credit financing of small and micro enterprises is the imperfection of credit financing system of small and micro enterprises in our country. Therefore, based on the study of the credit financing system of small and micro enterprises in China, this paper puts forward some suggestions on system improvement to support the development of small and micro enterprises in China. Based on the analysis of the current situation of credit financing of small and micro enterprises and the reasons for the shortage of credit financing, this paper concludes that the unsound credit financing system in China is an important factor restricting the credit financing of small and micro enterprises. Based on the experience of Japan and the United States in supporting the credit financing system of small and micro enterprises, this paper proposes to adjust the structure of credit financing financial organization system of small and micro enterprises and to perfect the risk control system of credit financing for small and micro enterprises. Improve the pricing system of small and micro-enterprise credit financing, improve the system of disposal of non-performing loans of small and micro-enterprises, and so on.
【學(xué)位授予單位】：河北大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F276.3;F275;F832.4

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