本文選題：小微企業(yè) + 融資困境�。� 參考：《武漢理工大學(xué)》2013年碩士論文

【摘要】：長(zhǎng)期以來(lái),小微企業(yè)為國(guó)民經(jīng)濟(jì)的發(fā)展做出了突出的貢獻(xiàn),是國(guó)民經(jīng)濟(jì)發(fā)展的重要驅(qū)動(dòng)力。但是小微企業(yè)得到的資金支持卻與其貢獻(xiàn)極不匹配,融資困難一直是其生產(chǎn)和發(fā)展的瓶頸。小微企業(yè)最重要的融資方式是間接融資,但小微企業(yè)的銀行融資狀況卻不容樂(lè)觀。我國(guó)大部分地區(qū)的小微企業(yè),能從銀行融資的很少,而且其貸款利率明顯高于基準(zhǔn)利率,小微企業(yè)基本上處于無(wú)法取得貸款、用不起貸款的融資困境之中。小微企業(yè)的融資困境主要是由銀企之間存在的信息不對(duì)稱造成的,關(guān)系型貸款作為一種特殊的貸款技術(shù),能夠有效緩解銀企之間的信息不對(duì)稱。因此,研究關(guān)系型貸款對(duì)中國(guó)小微企業(yè)融資的改善有很強(qiáng)的理論意義和現(xiàn)實(shí)意義。 本文從中國(guó)小微企業(yè)融資狀況的概述入手,分析中國(guó)小微企業(yè)融資的影響因素,然后對(duì)中國(guó)小微企業(yè)發(fā)展關(guān)系型貸款的可行性進(jìn)行分析,其次在可行性分析的基礎(chǔ)上,運(yùn)用一個(gè)動(dòng)態(tài)兩期模型,對(duì)中國(guó)小微企業(yè)和銀行發(fā)展關(guān)系型貸款的成本和收益進(jìn)行探討和分析,最后提出小微企業(yè)發(fā)展關(guān)系型貸款的對(duì)策和建議。本文得到的結(jié)論主要包括：首先,影響小微企業(yè)融資的最關(guān)鍵的因素是銀企間信息不對(duì)稱,關(guān)系型貸款時(shí)緩解信息不對(duì)稱的有效貸款技術(shù)；其次,中國(guó)小微企業(yè)發(fā)展關(guān)系型貸款具有一定的可行性；最后,關(guān)系型貸款能在降低小微企業(yè)的融資成本的同時(shí)提高小微企業(yè)融資的可得性和收益。 本文的創(chuàng)新點(diǎn)主要在于(1)基于關(guān)系型貸款研究小微企業(yè)融資的研究到目前為止較少,而且學(xué)者未對(duì)小微企業(yè)發(fā)展關(guān)系型貸款的可行性進(jìn)行研究,論文探討了小微企業(yè)發(fā)展關(guān)系型貸款的可行性,完善了基于關(guān)系型貸款小微企業(yè)融資的研究。(2)論文在對(duì)小微企業(yè)關(guān)系型貸款成本和收益進(jìn)行比較分析時(shí),運(yùn)用了一個(gè)動(dòng)態(tài)兩期模型,通過(guò)模型分析得出關(guān)系型貸款能夠提高小微企業(yè)貸款的可得性并且降低融資成本,能較好的運(yùn)用于研究小微企業(yè)融資難問(wèn)題。
[Abstract]:For a long time, small and micro enterprises have made outstanding contributions to the development of the national economy and an important driving force for the development of the national economy. However, the financial support obtained by small and micro enterprises is very inconsistent with their contributions. The financing difficulties have always been the bottleneck of its production and development. The most important financing way for small and micro enterprises is indirect financing, but small and micro enterprises The financing situation of the bank is not optimistic. The small and micro enterprises in most of our country can finance very little from the bank, and the interest rate of the loan is obviously higher than the benchmark interest rate. The small and micro enterprises are basically in the plight of financing that can't be borrowed and can't afford to borrow. The financing dilemma of small and micro enterprises is mainly the information between the banks and enterprises. Asymmetric loans, as a special loan technology, can effectively alleviate the information asymmetry between banks and enterprises. Therefore, it is of great theoretical and practical significance to study the relationship loan for the improvement of the financing of small and micro enterprises in China.
This paper, starting with the overview of the financing situation of China's small and micro enterprises, analyzes the factors affecting the financing of small and micro enterprises in China, and then analyzes the feasibility of developing the relational loans for small and micro enterprises in China. Secondly, on the basis of the feasibility analysis, a dynamic two phase model is applied to the development of the relationship loans of small and micro enterprises and banks in China. In the end, the conclusion of this paper mainly includes: first, the most important factors that affect the financing of small and micro enterprises are the asymmetric information between banks and enterprises, the effective loan technology that alleviated the asymmetric information when the relational loans were used; secondly, the small and micro enterprises in China In the end, relational loans can reduce the financing cost of small and micro enterprises and improve the availability and benefit of small and micro enterprises' financing at the end.
The main innovation points of this paper are (1) the research on the financing of small and micro enterprises based on the relationship based loan is less so far, and the scholars have not studied the feasibility of the development of the relational loans for small and micro enterprises. The paper discusses the feasibility of the development of the relational loans for small and micro enterprises, and improves the financing of small and micro enterprises based on the relationship type loan. (2) in the comparison and analysis of the cost and income of small and micro enterprises, the paper uses a dynamic two phase model, through the model analysis that the relationship loan can improve the availability of small and micro enterprise loans and reduce the cost of financing, and can be better used to study the financing difficulties of small and micro enterprises.
【學(xué)位授予單位】：武漢理工大學(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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