本文選題：小微企業(yè)　切入點：融資　出處：《吉林大學》2017年碩士論文

【摘要】：小微企業(yè)是解決就業(yè)、創(chuàng)新、分配問題的重要驅(qū)動力,在新常態(tài)下,小微企業(yè)的發(fā)展將為改變中國的經(jīng)濟驅(qū)動模式,推動經(jīng)濟社會進入新時代做出更加重要的貢獻。但融資問題一直是困擾小微企業(yè)生存和發(fā)展的關鍵點和難點。本文從國內(nèi)外研究小微企業(yè)問題的文獻和金融學理論出發(fā),分析小微企業(yè)融資難形成的原因,認為信息不對稱和信貸配給是導致小微企業(yè)融資難的關鍵因素,政府可以利用關系貸款理論和稅收財政政策幫助小微企業(yè)解決融資難題,同時政府可以利用財政資金的杠桿效應和政府的信用為小微企業(yè)提供金融擔保服務。在深入分析這些理論的基礎上,本文選取了美國、日本和臺灣地區(qū)開展小微企業(yè)金融服務的經(jīng)驗進行解析,尋找可借鑒的內(nèi)容。本文以珠海市正在建設的“四位一體”擔保融資平臺為案例,進一步分析了財政政策支持小微企業(yè)融資的工作機理和支持方式,提出了現(xiàn)行平臺中存在的問題,包括政府與市場邊界不合理,組織管理存在缺陷,保障支撐體系不完善以及監(jiān)管約束機制不健全等。在此基礎上,本文提出了適合地方實際情況的支持小微企業(yè)融資的總體思路和具體的政策建議,提出了制定小微企業(yè)融資擔保相關法律法規(guī)、完善政府職能,落實各項扶植政策、實施“負面清單”制度,強化普惠金融、建設金融信息管理系統(tǒng),破解信息不對稱、發(fā)揮財政資金的杠桿效應等解決措施,具有一定的現(xiàn)實意義。
[Abstract]:Small and micro enterprises are the important driving force to solve the problems of employment, innovation and distribution. Under the new normal condition, the development of small and micro enterprises will make more important contribution to changing the economic driving mode of China and pushing the economy and society into a new era.However, the financing problem is always the key point and difficulty to the survival and development of small and micro enterprises.Based on the literature and financial theory of domestic and foreign research on small and micro enterprises, this paper analyzes the causes of financing difficulties of small and micro enterprises, and points out that information asymmetry and credit rationing are the key factors leading to the financing difficulties of small and micro enterprises.The government can use the relational loan theory and the tax policy to help the small and micro enterprises solve the financing problem, meanwhile, the government can use the leverage effect of the financial capital and the government credit to provide the financial guarantee service for the small and micro enterprises.On the basis of in-depth analysis of these theories, this paper selects the experiences of the United States, Japan and Taiwan to analyze the financial services of small and micro enterprises, and looks for the contents that can be used for reference.Taking the "four-in-one" guarantee financing platform under construction in Zhuhai as an example, this paper further analyzes the working mechanism and supporting methods of fiscal policy to support the financing of small and micro enterprises, and puts forward the existing problems in the current platform.It includes unreasonable boundary between government and market, defects in organization and management, imperfect support system and imperfect supervision and restraint mechanism.On this basis, this paper puts forward the general ideas and specific policy recommendations to support the financing of small and micro enterprises, and puts forward the relevant laws and regulations to perfect the government functions.It is of certain practical significance to carry out various supporting policies, implement the system of "negative list", strengthen inclusive finance, build financial information management system, break the information asymmetry and give play to the leverage effect of financial funds.
【學位授予單位】：吉林大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F832.4;F279.27;F275.4

【參考文獻】

相關期刊論文 前9條

1 王繼升;;信貸配給視角下的小微企業(yè)融資困境研究[J];時代金融;2013年21期

2 周民源;;臺灣中小企業(yè)金融服務的主要做法及借鑒[J];銀行家;2013年04期

3 王益鋒;吳亞萍;;基于生命周期理論的小微企業(yè)發(fā)展[J];科技進步與對策;2013年04期

4 何韌;劉兵勇;王婧婧;;銀企關系、制度環(huán)境與中小微企業(yè)信貸可得性[J];金融研究;2012年11期

5 湖北經(jīng)濟學院金融學院課題組;中國社會科學院財貿(mào)所課題組;何德旭;;政策環(huán)境、金融結(jié)構(gòu)與信貸技術——化解中小企業(yè)貸款難題的系統(tǒng)解決方案[J];財貿(mào)經(jīng)濟;2008年09期

6 李雪梅;;金融業(yè)如何進一步完善小企業(yè)融資服務[J];現(xiàn)代商業(yè);2008年06期

7 胡紅星,張亞維;中小企業(yè)信貸配給的綜合模型[J];數(shù)量經(jīng)濟技術經(jīng)濟研究;2005年07期

8 何光輝,楊咸月;中國小企業(yè)融資擔保發(fā)展的理論研究[J];財經(jīng)研究;2000年08期

9 陳平;美國的小企業(yè)法[J];渝州大學學報(社會科學版);1999年01期

，

本文編號：1701142