本文選題：不同金融機(jī)構(gòu)　切入點(diǎn)：農(nóng)村中小企業(yè)　出處：《南京農(nóng)業(yè)大學(xué)》2013年碩士論文

【摘要】：中小企業(yè)在我國國民經(jīng)濟(jì)以及社會發(fā)展中起著舉足輕重的作用,但是融資難卻長期困擾著中小企業(yè)的發(fā)展,究竟如何才能緩解中小企業(yè)融資難,促進(jìn)中小企業(yè)健康穩(wěn)定發(fā)展,是社會各界關(guān)注的共同話題。近年來,政府頒布了一系列農(nóng)村金融體制改革的具體措施,在2012年的中央“一號文件”中進(jìn)一步提到要引導(dǎo)縣域銀行業(yè)金融機(jī)構(gòu)強(qiáng)化農(nóng)村信貸服務(wù),加大縣域小型微型企業(yè)的信貸投放力度。這在一定程度上為農(nóng)村中小企業(yè)的發(fā)展提供了更多的融資渠道。在農(nóng)村金融市場中,不同類型的農(nóng)村金融機(jī)構(gòu)組織結(jié)構(gòu)、自身規(guī)模、經(jīng)營管理體制、市場定位等不同,其在為農(nóng)村中小企業(yè)提供貸款服務(wù)上是否存在差異?原因又是什么?因此,本文通過對江蘇省蘇州、南通和徐州三市縣域265家中小企業(yè)的調(diào)查,運(yùn)用有序Probit模型,實(shí)證分析了不同類型的農(nóng)村金融機(jī)構(gòu)對農(nóng)村中小企業(yè)信貸可獲性的影響。 本文共分為五章,主要內(nèi)容如下： 第一部分：問題的提出。確定研究方向,明確研究意義與研究目標(biāo)。界定論文關(guān)鍵概念,同時選取合適研究方法,理清文章的研究思路。 第二部分：相關(guān)理論簡述與文獻(xiàn)評述。梳理國內(nèi)外的相關(guān)文獻(xiàn),闡述了信貸配給理論、金融抑制理論,關(guān)系型融資理論、小銀行優(yōu)勢理論等,并對國內(nèi)外研究現(xiàn)狀做簡單評述。 第三部分：金融機(jī)構(gòu)與農(nóng)村中小企業(yè)融資概況。簡述本文的調(diào)查內(nèi)容和調(diào)查對象,通過調(diào)查問卷的相關(guān)數(shù)據(jù),整理、分析農(nóng)村中小企業(yè)經(jīng)營基本情況以及目前融資現(xiàn)狀,進(jìn)而描述江蘇省農(nóng)村金融機(jī)構(gòu)發(fā)展現(xiàn)狀,著重論述農(nóng)村地區(qū)金融機(jī)構(gòu)發(fā)展現(xiàn)狀,為分析不同金融機(jī)構(gòu)類型對農(nóng)村中小企業(yè)的融資影響奠定基礎(chǔ)。 第四部分：不同金融機(jī)構(gòu)與農(nóng)村中小企業(yè)信貸可獲性實(shí)證分析。選取江蘇省蘇南、蘇中、蘇北三地的調(diào)查數(shù)據(jù),用有序Probit模型實(shí)證分析不同金融機(jī)構(gòu)對中小企業(yè)信貸可獲得性的影響。分別從金融機(jī)構(gòu)特征、企業(yè)特征、地區(qū)特征三方面闡述實(shí)證結(jié)果,深入分析農(nóng)村中小企業(yè)融資難的障礙因素。 第五部分：結(jié)論與政策建議。針對目前農(nóng)村中小企普遍存在融資難問題,從深化農(nóng)村金融改革,促進(jìn)農(nóng)村合作金融機(jī)構(gòu)多元化發(fā)展、重新確定商業(yè)銀行經(jīng)營策略和市場定位、規(guī)范和發(fā)展民間金融活動,加大對農(nóng)村中小企業(yè)的支持力度、健全農(nóng)村中小企業(yè)自身建設(shè)體系等方面提出相應(yīng)的政策建議,完善農(nóng)村金融體系、緩解農(nóng)村中小企業(yè)融資難問題,提高中小企業(yè)信貸的可獲性的提出相關(guān)政策建議。
[Abstract]:Small and medium-sized enterprises play an important role in the national economy and social development of our country, but the difficulty of financing has been perplexing the development of small and medium-sized enterprises for a long time. How to alleviate the financing difficulties of small and medium-sized enterprises and promote the healthy and stable development of small and medium-sized enterprises? In recent years, the government has promulgated a series of concrete measures to reform the rural financial system. In the "No. 1 document" of the Central Committee in 2012, it further mentioned the need to guide county banking financial institutions to strengthen rural credit services. To increase the lending of small and micro enterprises at the county level. To a certain extent, this has provided more financing channels for the development of small and medium-sized rural enterprises. In the rural financial market, different types of rural financial institutions have different organizational structures and their own size. Management system, market positioning, and so on, are there differences in providing loan services for small and medium enterprises in rural areas? What's the reason? Therefore, through the investigation of 265 small and medium-sized enterprises in Suzhou, Nantong and Xuzhou cities in Jiangsu Province, this paper empirically analyzes the influence of different types of rural financial institutions on the credit availability of rural small and medium-sized enterprises by using the ordered Probit model. This paper is divided into five chapters, the main contents are as follows:. The first part: put forward the problem, determine the research direction, clear the research significance and research goal, define the key concepts of the paper, select the appropriate research methods, and clarify the research ideas of the article. The second part: brief introduction of relevant theories and literature review, combing relevant literature at home and abroad, expounding credit rationing theory, financial suppression theory, relational financing theory, advantage theory of small banks and so on. The current research situation at home and abroad is briefly reviewed. The third part: financial institutions and rural SMEs financing overview. This paper briefly describes the investigation content and survey object, through the questionnaire related data, collate, analyze the basic situation of rural small and medium-sized enterprises and the current financing situation. Then it describes the development status of rural financial institutions in Jiangsu Province, focusing on the development of financial institutions in rural areas, for the analysis of different types of financial institutions on the financing impact of rural small and medium-sized enterprises. The fourth part: the empirical analysis of credit availability of different financial institutions and rural small and medium-sized enterprises. This paper empirically analyzes the influence of different financial institutions on the credit availability of SMEs by using the ordered Probit model. The empirical results are illustrated from three aspects: the characteristics of financial institutions, the characteristics of enterprises, and the regional characteristics. Deeply analyze the obstacle factor of financing difficulty of rural small and medium-sized enterprises. The fifth part: conclusion and policy suggestion. In view of the difficulty of financing in rural small and medium-sized enterprises, we should deepen the reform of rural finance, promote the diversified development of rural cooperative financial institutions, and redefine the management strategy and market orientation of commercial banks. To standardize and develop private financial activities, to increase support for rural SMEs, and to improve the system of rural SMEs' own construction, and to improve the rural financial system, so as to alleviate the financing difficulties of rural small and medium-sized enterprises. To improve the availability of credit for small and medium-sized enterprises to put forward relevant policy recommendations.
【學(xué)位授予單位】：南京農(nóng)業(yè)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.4

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 蔣廣U，

本文編號：1660426