本文關(guān)鍵詞：四川省中小微企業(yè)“統(tǒng)貸平臺(tái)”融資模式的探討　出處：《西南財(cái)經(jīng)大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

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【摘要】：中小微企業(yè)是我國國民經(jīng)濟(jì)發(fā)展的重要基礎(chǔ),是推動(dòng)社會(huì)和諧與改善民生,推動(dòng)國民經(jīng)濟(jì)和社會(huì)發(fā)展不可或缺的力量。然而影響中小微企業(yè)發(fā)展的融資難問題作為一個(gè)世界性難題在中國仍面臨難以解決的困境。論文基于此而展開。 論文第一章概述了論文的選題背景、研究意義、研究方法、研究目的,指出了論文的研究思路及框架結(jié)構(gòu)。 第二章在簡(jiǎn)述四川省中小微企業(yè)發(fā)展總體情況的同時(shí),闡述了四川省中小微企業(yè)目前雖受國際金融危機(jī)沖擊以及國內(nèi)經(jīng)濟(jì)發(fā)展趨勢(shì)不穩(wěn)定因素影響,總體生產(chǎn)經(jīng)營情況仍向好,但融資情況特別是未來面臨的形式依然嚴(yán)峻的狀況,進(jìn)而通過對(duì)其融資情況的SWOT分析,歸納總結(jié)了省內(nèi)中小微企業(yè)融資難的原因。 在此基礎(chǔ)上,第三章引出了“統(tǒng)貸平臺(tái)”的融資模式,在介紹該模式的概念和運(yùn)作流程的同時(shí),著重對(duì)我省中小微企業(yè)“統(tǒng)貸平臺(tái)”融資模式構(gòu)建的條件、合作機(jī)構(gòu)的職責(zé)及平臺(tái)合作保障等方面問題進(jìn)行了深入分析。并通過對(duì)這幾年來“統(tǒng)貸平臺(tái)”融資模式運(yùn)行的總體情況以及對(duì)未來此模式發(fā)展完善的方向指出了該模式中存在的不足并提出了改進(jìn)意見。 在對(duì)我省中小微企業(yè)“統(tǒng)貸平臺(tái)”的融資模式進(jìn)行了上述理論和實(shí)踐分析之后,論文以第四章介紹了目前國家開發(fā)銀行四川分行已經(jīng)在運(yùn)行的中小微企業(yè)貸款統(tǒng)貸平臺(tái)模式,并精選了該模式項(xiàng)下的三個(gè)經(jīng)典案例,以論證此模式的有效執(zhí)行性和成功經(jīng)驗(yàn)。最后對(duì)本論文研究的結(jié)論進(jìn)行了總結(jié)與展望。 本文旨在對(duì)完善四川省中小微企業(yè)統(tǒng)貸平臺(tái)融資模式進(jìn)行研究,通過引入層層風(fēng)險(xiǎn)防控機(jī)制的管理,在銀行風(fēng)險(xiǎn)基本可控的前提下大大降低中小微企業(yè)準(zhǔn)入門檻,以尋求一種按統(tǒng)一的標(biāo)準(zhǔn)模式,解決千家萬戶中小微企業(yè)融資共性問題的途徑,以批發(fā)的方式克服零售缺點(diǎn),從而為中小微企業(yè)提供社會(huì)化、專業(yè)化、組織化、標(biāo)準(zhǔn)化的,高效和便捷的貸款融資,真正解決中小微企業(yè)融資難問題。
[Abstract]:Small and medium-sized enterprises are the important foundation of the development of our national economy, which is to promote social harmony and improve the people's livelihood. However, the problem of financing which affects the development of small and medium-sized enterprises is still facing a difficult dilemma in China as a worldwide problem. The first chapter summarizes the background, significance, method and purpose of the research, and points out the research idea and frame structure of the thesis. The second chapter describes the overall development of small and medium-sized enterprises in Sichuan Province, and expounds the impact of the impact of the international financial crisis and the unstable factors of domestic economic development. The overall production and operation situation is still good, but the financing situation, especially in the future, is still grim, and then through the SWOT analysis of its financing situation. The paper summarizes the reasons why the financing of small and medium enterprises in the province is difficult. On this basis, the third chapter leads to the financing model of "Unification loan platform". At the same time, it introduces the concept and operation process of the model, and focuses on the construction conditions of the financing mode of "Unification loan platform" for the small and medium enterprises in our province. The responsibilities of the cooperative organization and the cooperation guarantee of the platform are analyzed in depth. And through the analysis of the "unified loan platform" in the past few years. The general situation of the operation of the financing model and the direction of its development and perfection in the future are pointed out and some suggestions for improvement are put forward. After the above theoretical and practical analysis on the financing model of the medium, small and micro enterprises in our province, the "Unification loan platform" has been carried out. Chapter 4th introduces the current China Development Bank Sichuan Branch has been in operation of the small and medium enterprises loan loan platform model, and selected three classic cases under this model. In order to demonstrate the effective implementation and successful experience of this model, the conclusion of this paper is summarized and prospected. The purpose of this paper is to improve the financing model of Sichuan small and medium enterprises through the introduction of layers of risk prevention and control mechanism management. Under the premise that the bank risk is basically controllable, the entry threshold of small and medium-sized enterprises is greatly reduced, in order to find a way to solve the common financing problem of small and medium-sized enterprises in thousands of households according to the unified standard model. In order to provide socialized, professional, organized, standardized, efficient and convenient loan financing for small and medium-sized enterprises, we can really solve the financing problem of small and medium-sized enterprises.
【學(xué)位授予單位】：西南財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F275;F276.3;F832.4

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