本文選題：中小企業(yè) + 信貸融資　； 參考：《山東大學》2013年碩士論文

【摘要】：中小企業(yè)在擴大就業(yè)、提高效率、加快創(chuàng)新、促進經(jīng)濟增長等方面發(fā)揮著不可或缺的重要作用。2008年金融危機以來,我國中小企業(yè)不但在生產(chǎn)經(jīng)營上出現(xiàn)需求減弱、成本增加、利潤率下滑等巨大沖擊,還普遍承受著信貸配給環(huán)境下更加嚴峻的融資難題。本文從實證角度深入分析后金融危機背景下國內中小企業(yè)信貸融資面臨的新情況、新問題,采取定性分析與定量分析相結合的方法,客觀剖析中小企業(yè)信貸融資困難的深層原因,并借鑒國外先進經(jīng)驗,提出從政府、銀行、企業(yè)等不同層面解決中小企業(yè)信貸融資難題的具體措施。 在文獻綜述部分,本文簡要介紹了我國中小企業(yè)信貸融資及其分類,從企業(yè)、銀行、政府三個角度闡述了企業(yè)融資理論、信貸配給理論和金融抑制理論的基本內涵及演變過程,并簡要分析回顧了我國理論界關于中小企業(yè)信貸融資難題的原因及解決對策。 在主要國家經(jīng)驗的比較研究部分,本文列舉了美國、日本、德國在創(chuàng)新?lián)C制、加強政府資助、鼓勵直接融資等方面的做法,為解決我國中小企業(yè)信貸融資難題提供了有益借鑒。 在我國中小企業(yè)信貸融資實證分析勢部分,本文列舉了后金融危機時代我國中小企業(yè)面臨的五種新問題：一是信貸規(guī)模控制導致中小企業(yè)融資難題加劇,是簡單規(guī)模擴張式發(fā)展導致中小企業(yè)可持續(xù)發(fā)展能力不強,三是中小企業(yè)出現(xiàn)“空心化”新趨勢,四是中小企業(yè)信貸融資的“去杠桿化”,五是“金融脫媒”促使中小企業(yè)融資渠道多元化,并簡要分析了產(chǎn)生各種新趨向的主要表現(xiàn)和內在原因,提出了針對性的措施建議。 在綜合理論依據(jù)、先進經(jīng)驗和問題現(xiàn)狀的基礎上,本文從信貸資金的需求、供給和市場環(huán)境方面分析了中小企業(yè)融資難問題的成因,從企業(yè)自身、金融機構、政府、市場等角度提出解決中小企業(yè)信貸融資難題的主要措施。具體來說,中小企業(yè)要建立現(xiàn)代企業(yè)制度,積極調整結構,增強創(chuàng)新能力,實現(xiàn)轉型發(fā)展：商業(yè)銀行應加大對中小企業(yè)的信貸支持力度,創(chuàng)新貸款品種和擔保方式,進一步降低中小企業(yè)貸款利率；政府應積極創(chuàng)造適合中小企業(yè)發(fā)展的擔保體系和信用體系。 本文較為系統(tǒng)地闡述了后金融危機時代我國中小企業(yè)信貸融資的現(xiàn)狀、存在問題和解決措施。論文的主要創(chuàng)新之處在于總結分析了近年來中小企業(yè)信貸融資面臨的新情況、新問題,并提出比向中小企業(yè)提供足額信貸資金更加重要和迫切的問題是,應當通過加大對中小企業(yè)的有效信貸投放,幫助中小企業(yè)實現(xiàn)調整轉型和創(chuàng)新發(fā)展,從而推動我國經(jīng)濟結構調整和轉型升級,實現(xiàn)國民經(jīng)濟全面協(xié)調可持續(xù)發(fā)展。
[Abstract]:Small and medium-sized enterprises play an indispensable role in expanding employment, improving efficiency, accelerating innovation and promoting economic growth. Since the 2008 financial crisis, the demand of small and medium-sized enterprises in our country has not only weakened in production and operation, but also the cost has increased. Margins and other huge impact, but also generally under the credit rationing environment more severe financing difficulties. This paper analyzes the new situation and problems of domestic SMEs' credit financing under the background of post-financial crisis, and adopts the method of combining qualitative analysis and quantitative analysis. This paper objectively analyzes the deep causes of the difficulties in the credit financing of small and medium-sized enterprises, and draws lessons from the advanced experience of foreign countries, and puts forward concrete measures to solve the difficult problems of credit financing of small and medium-sized enterprises from different levels such as government, banks and enterprises. In the part of literature review, this paper briefly introduces the credit financing and its classification of small and medium-sized enterprises in China, and expounds the basic connotation and evolution process of enterprise financing theory, credit rationing theory and financial suppression theory from three angles of enterprise, bank and government. The paper also briefly reviews the causes and solutions of the credit financing problems of SMEs in China's theoretical circle. In the comparative study of the experiences of major countries, this paper enumerates the practices of the United States, Japan and Germany in innovating guarantee mechanisms, strengthening government funding, encouraging direct financing, and so on. It provides a useful reference for solving the problem of credit financing for small and medium-sized enterprises in China. In the part of empirical analysis of SMEs' credit financing in China, this paper enumerates five new problems faced by SMEs in the post-financial crisis era. It is the simple scale expansion type development that causes the small and medium-sized enterprise sustainable development ability is not strong, third is the small and medium-sized enterprise appears "hollow" the new trend, fourth is the small and medium-sized enterprise credit financing "deleveraging", Fifth, "financial disintermediation" promotes the diversification of financing channels for small and medium-sized enterprises, and briefly analyzes the main manifestations and internal causes of various new trends, and puts forward targeted measures and suggestions. On the basis of comprehensive theoretical basis, advanced experience and current situation of problems, this paper analyzes the causes of financing difficulties of small and medium-sized enterprises from the demand, supply and market environment of credit funds, from the enterprises themselves, financial institutions, the government, This paper puts forward the main measures to solve the problem of credit financing for small and medium-sized enterprises from the point of view of market. Specifically, small and medium-sized enterprises should establish a modern enterprise system, actively adjust the structure, enhance the ability of innovation, realize the transformation and development: commercial banks should increase the credit support for small and medium-sized enterprises, innovate the variety of loans and guarantee methods, The government should actively create a guarantee system and a credit system suitable for the development of SMEs. This paper systematically expounds the present situation, existing problems and solving measures of credit financing for SMEs in the post-financial crisis era. The main innovation of the paper is to summarize and analyze the new situation and problems faced by SMEs in recent years, and propose that the more important and urgent problems are: We should increase the effective credit to the small and medium-sized enterprises, help them to realize the adjustment and the innovation development, thus promote our country's economic structure adjustment and the transformation and upgrade, realize the overall coordinated and sustainable development of the national economy.
【學位授予單位】：山東大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F275;F276.3;F832.4

【參考文獻】

相關期刊論文 前10條

1 黃飛鳴;試論中小企業(yè)融資渠道的選擇[J];商業(yè)研究;2005年07期

2 姚震宇;劉紅;;地方政府在解決中小企業(yè)融資難問題中的責任[J];商業(yè)研究;2010年05期

3 王帥;陳嵩嵩;;中小金融機構對中小企業(yè)金融支持國內外研究綜述[J];長春金融高等�？茖W校學報;2009年01期

4 張靜琦,古文威,朱疆;現(xiàn)代信貸配給理論評述及啟示[J];財經(jīng)科學;2000年04期

5 杜思萱;史金嵐;陳潔;;中小企業(yè)信貸融資困境的成因及對策[J];東方企業(yè)文化;2010年12期

6 鄭弘;王飛;;完善支持小微企業(yè)金融服務政策體系[J];銀行家;2013年07期

7 張志杰 ,王進朝;中小企業(yè)融資難問題的思考與對策[J];河南科技;2005年10期

8 劉磊;郭訓忠;;破解中小企業(yè)融資難的路徑選擇[J];商業(yè)經(jīng)濟;2010年01期

9 張杰;民營經(jīng)濟的金融困境與融資次序[J];經(jīng)濟研究;2000年04期

10 林毅夫,李永軍;中小金融機構發(fā)展與中小企業(yè)融資[J];經(jīng)濟研究;2001年01期

，

本文編號：1779350