本文選題：中小微企業(yè)貸款 + 押品��； 參考：《遼寧大學》2013年碩士論文

【摘要】：占我國企業(yè)總數(shù)90%以上的中小微企業(yè)作為最龐大的市場經(jīng)濟主體，是創(chuàng)新和發(fā)展的主力參與者，成為經(jīng)濟持續(xù)健康發(fā)展的重點。如何扶植初創(chuàng)企業(yè)，推動中小微企業(yè)良好迅速可持續(xù)地發(fā)展，成為未來經(jīng)濟發(fā)展研究的重點之一。從中小微企業(yè)的發(fā)展歷史來看，在其經(jīng)營過程中除了要對的持續(xù)創(chuàng)新、市場開發(fā)、企業(yè)治理等問題外，還要對資金緊缺甚至資金鏈斷裂的問題加以重視，往往他是阻礙發(fā)展的核心問題。在現(xiàn)有企業(yè)貸款框架下，小額貸款公司及貸款擔保公司等融資渠道只能稍稍緩解中小微企業(yè)融資困難的窘境，，而完全不能滿足中小微企業(yè)龐大的融資需求，因此無法解決中中小微企業(yè)融資困境。商業(yè)銀行則出于對風險性和盈利性等方面的考量，對中小微企業(yè)貸款提出了價位嚴格的押品條件，許多中中小微企業(yè)由于難以滿足銀行在押品方面的要求，而無法順利獲得銀行貸款，最終表現(xiàn)為整體經(jīng)濟中的“麥克米倫缺口”。 對于擁有雄厚資本的商業(yè)銀行，在適當?shù)娘L險管理框架和方案下，及適合的市場環(huán)境中，擴大對中小微企業(yè)貸款押品接受范圍，并適當發(fā)展信用貸款，將有助于商業(yè)銀行改善自身的貸款結(jié)構(gòu)，提升盈利能力。對于中中小微企業(yè)而言，押品范圍的擴展將很大程度的解決其貸款困難的境況，為其持續(xù)良好快速發(fā)展提供資金基礎。同時有助于推動我國經(jīng)濟的穩(wěn)定快速發(fā)展，加快市場成熟的步伐。 本文首先通過近年的學術研究成果對中小企業(yè)融資困境現(xiàn)狀及解決方案進行整理分析，并提出押品在中小微企業(yè)融資困境中所扮演的核心角色。其次，以沈陽地區(qū)的中小微企業(yè)貸款調(diào)研數(shù)據(jù)為基礎進行匯總統(tǒng)計，了解沈陽地區(qū)中小微企業(yè)貸款押品方面的現(xiàn)狀，并通過數(shù)據(jù)統(tǒng)計結(jié)果總結(jié)出沈陽地區(qū)中小微企業(yè)貸款押品方面存在的接受范圍小、低估值、缺乏處置途徑等問題并從中加以分析。再次，針對目前環(huán)境下的中小微企業(yè)貸款押品方面存在的問題，從企業(yè)和銀行兩個方面進行分析總結(jié)。之后，借鑒理論研究成果提出針對沈陽地區(qū)中小微企業(yè)貸款押品問題的有效途徑來緩解融資困境。最后，得出本文結(jié)論并對解決途徑的未來發(fā)展做出展望。
[Abstract]:As the largest market economy subject, small and medium-sized enterprises (MSMEs), which account for more than 90% of the total number of enterprises in China, are the main participants in innovation and development, and have become the focus of sustained and healthy economic development. How to foster start-ups and promote small and medium-sized enterprises to develop rapidly and sustainably has become one of the key points of economic development in the future. Judging from the history of the development of small and medium-sized enterprises, in addition to the problems of continuous innovation, market development, corporate governance, and so on, in the course of its operation, it is also necessary to attach importance to the problems of capital shortage and even capital chain breakage. He is often the central problem that hinders development. Under the existing enterprise loan framework, microfinance companies and loan guarantee companies and other financing channels can only slightly alleviate the financing difficulties of small and medium-sized enterprises, but can not meet the huge financing needs of small and medium-sized enterprises. Therefore, it is impossible to solve the financing dilemma of medium, small and micro enterprises. Commercial banks, on the other hand, considering the risks and profitability, have put forward strict pricing conditions for loans from small and medium-sized microenterprises. Many small, medium and small enterprises are unable to meet the requirements of bank custody. And the failure to obtain bank loans, the ultimate performance of the overall economy in the "Macmillan gap." For commercial banks with strong capital, to expand their acceptance of SME loan collateral and to develop credit loans appropriately, within appropriate risk management frameworks and programmes, and in an appropriate market environment, It will help commercial banks to improve their loan structure and enhance profitability. For small, medium and small enterprises, the expansion of the range of collateral will solve their loan difficulties to a large extent, and provide a financial basis for their sustained good and rapid development. At the same time, it helps to promote the stable and rapid development of our economy and accelerate the pace of market maturity. In this paper, the current situation and solutions of SMEs' financing dilemma are analyzed through the academic research results in recent years, and the key role of the pawn in the financing dilemma of SMEs is put forward. Secondly, based on the survey data of small and medium-sized enterprises loans in Shenyang area, we can get a general understanding of the current situation of loans pledged by small and medium-sized enterprises in Shenyang area. Based on the statistical results, the paper summarizes and analyzes the problems of small and medium-sized enterprises in Shenyang, such as small acceptance range, low valuation, lack of disposal way and so on. Thirdly, this paper analyzes and summarizes the problems existing in the loan collateral of small and medium enterprises in the present environment from the two aspects of enterprises and banks. After that, the paper puts forward an effective way to alleviate the financing dilemma by referring to the theoretical research results. Finally, the conclusion of this paper and the future development of the solution are prospected.
【學位授予單位】：遼寧大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F832.4;F275

【參考文獻】

相關期刊論文 前10條

1 吳紹波;從交易成本角度看我國中小企業(yè)融資難的問題[J];商業(yè)研究;2005年01期

2 羅正英;;中小企業(yè)集群信貸融資:優(yōu)勢、條件與對策[J];財貿(mào)經(jīng)濟;2010年02期

3 戴舒揚;;試論農(nóng)行“簡式快貸”業(yè)務及典型案例探析[J];中國城市經(jīng)濟;2011年26期

4 李雪顏;幸訊;謝芬;;關于規(guī)避商業(yè)銀行抵押物價值縮減風險的思考[J];海南金融;2012年05期

5 馬華琴;;我國中小銀行與中小企業(yè)關系型貸款研究[J];合作經(jīng)濟與科技;2008年24期

6 申欣欣;;我國中小企業(yè)發(fā)展與融資現(xiàn)狀[J];合作經(jīng)濟與科技;2011年17期

7 鐘偉強;;小微企業(yè)貸款創(chuàng)新模式研究[J];經(jīng)濟視角(中旬);2011年09期

8 李錚;非公有制經(jīng)濟發(fā)展面臨的“所有制歧視”及其糾正[J];現(xiàn)代經(jīng)濟探討;2004年12期

9 潘鵬杰;周方召;;中小企業(yè)信貸融資國內(nèi)研究文獻綜述[J];經(jīng)濟問題探索;2011年12期

10 劉宗歌;李小軍;;中小企業(yè)融資問題及對策——國內(nèi)外研究綜述[J];經(jīng)濟研究導刊;2012年01期

相關博士學位論文 前1條

1 尹丹莉;我國中小企業(yè)融資問題研究[D];天津財經(jīng)大學;2009年

相關碩士學位論文 前1條

1 顧海燕;關系貸款作為中小企業(yè)融資途徑的激勵可行性分析[D];清華大學;2003年

本文編號：1839565