本文選題：小貸機(jī)構(gòu) + 融資模式��； 參考：《西北農(nóng)林科技大學(xué)》2013年碩士論文

【摘要】：隨著中小微企業(yè)在我國(guó)的經(jīng)濟(jì)地位不斷提升，他們的融資矛盾越來(lái)越突出。在我國(guó)的目前金融條件下，商業(yè)銀行短時(shí)間內(nèi)難以扭轉(zhuǎn)評(píng)價(jià)體系。目前看，受監(jiān)管的小貸專(zhuān)營(yíng)機(jī)構(gòu)的放貸規(guī)模擴(kuò)大，才是當(dāng)前最正常、最易監(jiān)督、最急需的問(wèn)題，而他們擴(kuò)張所需的自身融資矛盾也越來(lái)越突出。這個(gè)矛盾的主要核心是舊有融資模式缺陷很大。 為小貸機(jī)構(gòu)探索新的融資模式，關(guān)鍵的問(wèn)題是使得擁有資金的傳統(tǒng)金融機(jī)構(gòu)和小貸機(jī)構(gòu)之間消除隔膜。這種隔膜在于，小貸機(jī)構(gòu)認(rèn)為傳統(tǒng)金融機(jī)構(gòu)不給予基本信任；傳統(tǒng)金融機(jī)構(gòu)又以小貸機(jī)構(gòu)的逐利性為基本出發(fā)點(diǎn)，不敢信任。 目前金融體制下，以金融系統(tǒng)性安全為基礎(chǔ)，創(chuàng)新小貸機(jī)構(gòu)的融資模式本身，就是加強(qiáng)監(jiān)管。將小貸機(jī)構(gòu)通過(guò)體制內(nèi)機(jī)構(gòu)滲透，將其間接納入體制內(nèi)監(jiān)管，進(jìn)一步向小貸機(jī)構(gòu)進(jìn)行融資。本文以小貸機(jī)構(gòu)融資模式為研究對(duì)象，首先從現(xiàn)狀入手,分析小貸機(jī)構(gòu)普遍存在的融資難問(wèn)題,進(jìn)而分析現(xiàn)有的融資模式缺陷，深入研究這些缺陷是什么和他們的成因。繼而對(duì)小貸機(jī)構(gòu)的重新定位，明確提出其融資新模式的前提和滿(mǎn)足這個(gè)前提的要求。 本文研究過(guò)程采取分析與實(shí)證分析相結(jié)合，使用定性分析與定量分析相結(jié)合的方法進(jìn)行研究。具體研究方法中使用標(biāo)準(zhǔn)化調(diào)查法對(duì)小貸機(jī)構(gòu)現(xiàn)有融資模式進(jìn)行分析后，，將其現(xiàn)有融資模式歸納為三大類(lèi)——合法類(lèi)、違法類(lèi)、界限模糊類(lèi)；使用財(cái)務(wù)指標(biāo)分析法對(duì)小貸機(jī)構(gòu)的資金利潤(rùn)率、資本利潤(rùn)率、逾期率、不良率、撥備率等財(cái)務(wù)指標(biāo)進(jìn)行觀察和分析，研究其財(cái)務(wù)變化及風(fēng)險(xiǎn)控制問(wèn)題；運(yùn)用SWOT分析法，分析研究構(gòu)成其融資效果的內(nèi)、外因，在現(xiàn)有金融體制、法律體系內(nèi)尋求合理、安全、高效的融資新模式。 上述研究，可能對(duì)推進(jìn)金融改革和改善中小企業(yè)融資提供了依據(jù)。論文結(jié)論上能夠理論模擬小貸機(jī)構(gòu)融資的創(chuàng)新模式，對(duì)擴(kuò)大中小企業(yè)貸款投放產(chǎn)生積極的推動(dòng)意義。在技術(shù)角度上提出了小貸機(jī)構(gòu)參與大金融市場(chǎng)時(shí)所需考量的風(fēng)險(xiǎn)、規(guī)模、機(jī)制等方面的審查、改進(jìn)措施，使得小貸機(jī)構(gòu)進(jìn)入金融市場(chǎng)具備了可操作性。從監(jiān)管角度上明確提出小貸機(jī)構(gòu)應(yīng)監(jiān)管的方面和監(jiān)管所應(yīng)用的指標(biāo)，為小貸機(jī)構(gòu)躋身金融市場(chǎng)提供了監(jiān)管可能。
[Abstract]:With the increasing economic status of small and medium-sized enterprises in China, their financing contradiction is becoming more and more prominent. Under the present financial conditions of our country, it is difficult for commercial banks to reverse the evaluation system in a short time. For now, the expansion of lending by regulated small-loan franchisees is the most normal, easy to monitor and much-needed problem, and the self-financing contradictions they need to expand are becoming increasingly prominent. The main core of this contradiction is that the old financing model is very flawed. To explore a new financing model for small lenders, the key problem is to remove the gap between traditional financial institutions with funds and small lending institutions. This kind of gap lies in the fact that the traditional financial institutions do not give basic trust to the traditional financial institutions, and the traditional financial institutions do not dare to trust because of the interest driven by the small lending institutions. Under the current financial system, the innovation of the financing mode of the small loan institutions is to strengthen the supervision based on the financial systemic security. The small loan institutions are infiltrated through the institutions within the system and indirectly brought into the supervision of the system to further finance the small lending institutions. This paper takes the financing model of the small loan institution as the research object, starts with the present situation, analyzes the common financing difficulties of the small loan institution, and then analyzes the defects of the existing financing model, and studies in depth what these defects are and their causes. Then the re-positioning of the small lending institutions, clearly put forward the premise of its new financing model and meet the requirements of this premise. The research process of this paper is based on the combination of qualitative analysis and quantitative analysis. In the concrete research method, after analyzing the existing financing mode of the small loan institution by using the standardized investigation method, the existing financing model of the small loan institution is classified into three categories: legal class, illegal class and fuzzy boundary category; The financial index analysis method is used to observe and analyze the financial indexes such as capital profit rate, overdue rate, defective rate, reserve rate and so on, to study its financial change and risk control, and to use SWOT analysis method. This paper analyzes and studies the internal and external causes of its financing effect, and seeks a reasonable, safe and efficient new financing model in the existing financial system and legal system. The above research may provide the basis for promoting financial reform and improving the financing of small and medium enterprises. The conclusion of the paper can theoretically simulate the innovative mode of financing of small loan institutions, which has a positive significance to expand the lending of small and medium-sized enterprises. From the point of view of technology, this paper puts forward the examination and improvement measures of risk, scale, mechanism and so on, which should be considered when small loan institutions participate in large financial markets, so that small loan institutions can enter the financial market with maneuverability. From the point of view of supervision, this paper puts forward clearly the aspects of supervision and the indicators used in supervision, which provides the possibility for small loan institutions to enter the financial market.
【學(xué)位授予單位】：西北農(nóng)林科技大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類(lèi)號(hào)】：F832.4

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