本文選題：許昌 + 中小企業(yè)��； 參考：《鄭州大學(xué)》2013年碩士論文

【摘要】：中小企業(yè)在我國(guó)國(guó)民經(jīng)濟(jì)發(fā)展中占據(jù)著十分重要的位置,加快中小企業(yè)的發(fā)展對(duì)于全面建設(shè)小康社會(huì)具有十分積極重要的作用。目前,中小企業(yè)貸款難的問(wèn)題已經(jīng)深深影響了我國(guó)社會(huì)主義市場(chǎng)經(jīng)濟(jì)建設(shè),影響了企業(yè)的發(fā)展和壯大,同時(shí)制約了我國(guó)社會(huì)協(xié)調(diào)快速發(fā)展。中小企業(yè)貸款難的問(wèn)題主要集中在三個(gè)層面,一個(gè)是銀行,一個(gè)是企業(yè),一個(gè)是政府,解決中小企業(yè)貸款難的問(wèn)題需要“銀行、企業(yè)、政府”三方的共同協(xié)作,從而才有可能根本性的解決社會(huì)主義市場(chǎng)經(jīng)濟(jì)發(fā)展過(guò)程中的這一重大難題。 論文通過(guò)現(xiàn)場(chǎng)調(diào)查、對(duì)比分析、案例分析等方法,對(duì)許昌市中小企業(yè)貸款難問(wèn)題進(jìn)行了深入研究。首先,論述本地區(qū)中小企業(yè)貸款難問(wèn)題的現(xiàn)狀,總結(jié)出信貸總量偏小、信貸發(fā)放困難、貸款成本過(guò)高等主要問(wèn)題,并且進(jìn)行翔實(shí)分析。其次,對(duì)形成中小企業(yè)貸款難問(wèn)題的原因進(jìn)行深層次分析,主要包括兩大部分：銀行針對(duì)中小企業(yè)信貸不夠重視、企業(yè)自身管理不規(guī)范。銀行對(duì)于中小企業(yè)信貸不夠重視的具體表現(xiàn)在中小企業(yè)信貸投放量不足,業(yè)務(wù)流程不夠合理,沒(méi)有合適的評(píng)價(jià)體系,沒(méi)有切合中小企業(yè)的需求四個(gè)方面；企業(yè)自身管理不夠規(guī)范主要表現(xiàn)在內(nèi)部治理不完善,財(cái)務(wù)制度不完善,缺乏有效擔(dān)保三個(gè)方面。綜合這些原因,共同導(dǎo)致了許昌市中小企業(yè)貸款難問(wèn)題的形成。最后,論文總結(jié)分析的原因,結(jié)合本地區(qū)的企業(yè)特色和城市發(fā)展特點(diǎn),對(duì)中小企業(yè)貸款難問(wèn)題提出了一系列策略措施。通過(guò)鼓勵(lì)大型商業(yè)銀行加強(qiáng)中小企業(yè)信貸投放量,并且建立適合本地區(qū)的授信評(píng)級(jí)系統(tǒng),降低了本地區(qū)中小企業(yè)的準(zhǔn)入門檻,也減少了中小企業(yè)貸款的難度。通過(guò)開發(fā)適宜的信貸產(chǎn)品,不僅在融資方面對(duì)企業(yè)有幫助,在抵押資產(chǎn)評(píng)估方面也要與企業(yè)相適應(yīng),才能拓寬企業(yè)貸款的門檻。通過(guò)政府鼓勵(lì)中小企業(yè)貸款,使地區(qū)中小企業(yè)能夠有更多更好的政策支持。通過(guò)建立中小企業(yè)擔(dān)保體系,有效改善中小企業(yè)貸款抵押不足的問(wèn)題,為企業(yè)貸款提供有效抵押支持。通過(guò)大力發(fā)展地方商業(yè)銀行,利用本地優(yōu)勢(shì),更好的為本地特別是郊縣中小企業(yè)提供有效貸款支持。通過(guò)加強(qiáng)中小企業(yè)內(nèi)部管理的規(guī)范性,使中小企業(yè)從內(nèi)部提升企業(yè)素質(zhì),解決自身貸款難的問(wèn)題。
[Abstract]:Small and medium-sized enterprises occupy a very important position in the development of our national economy, and accelerating the development of small and medium-sized enterprises plays a very positive and important role in building a well-off society in an all-round way. At present, the problem of difficult loan for small and medium-sized enterprises has deeply affected the construction of socialist market economy in China, affected the development and expansion of enterprises, and restricted the rapid and coordinated development of our society at the same time. The problem of SMEs' loan difficulties mainly focuses on three levels: one is the bank, the other is the enterprise, and the other is the government. To solve the problem of SMEs' loan difficulties, we need the joint cooperation of "bank, enterprise, government". Thus it is possible to fundamentally solve this major problem in the course of the development of socialist market economy. Through field investigation, comparative analysis and case study, this paper makes a deep study on the loan difficulty of small and medium-sized enterprises in Xuchang. First of all, the paper discusses the present situation of the loan difficulty of the small and medium-sized enterprises in this area, summarizes the main problems such as the small amount of credit, the difficulty of extending the credit, the high cost of the loan and so on, and carries on the detailed analysis. Secondly, the paper makes a deep analysis of the reasons for the difficulty of SMEs' loans, including two parts: the banks do not pay enough attention to the SMEs' credit, and the enterprises' own management is not standardized. The bank does not pay enough attention to the SMEs' credit in the following four aspects: the amount of SMEs' credit is insufficient, the business process is not reasonable, there is no suitable evaluation system, and the SMEs' needs are not met; The internal governance, financial system and guarantee are not perfect. Comprehensive these reasons, together led to the formation of small-and medium-sized loans in Xuchang City. Finally, the paper summarizes and analyzes the reasons, combined with the characteristics of local enterprises and urban development, and puts forward a series of strategies and measures to the problem of small and medium-sized enterprises' loan difficulties. By encouraging large commercial banks to strengthen the amount of credit for small and medium-sized enterprises, and to establish a credit rating system suitable for the region, the entry threshold of small and medium-sized enterprises in the region is lowered, and the difficulty of loans for small and medium-sized enterprises is also reduced. Through the development of appropriate credit products, not only in the financing of enterprises, but also in the assessment of mortgage assets should be adapted to enterprises, in order to broaden the threshold of enterprise loans. Through the government to encourage small and medium-sized enterprises to lend, so that regional SMEs can have more and better policy support. By establishing the guarantee system of small and medium-sized enterprises, we can effectively improve the problem of insufficient loan mortgage, and provide effective mortgage support for enterprise loan. By vigorously developing local commercial banks and making use of local advantages, we can better provide effective loan support for local small and medium-sized enterprises, especially in suburban counties. By strengthening the standardization of internal management of small and medium-sized enterprises, we can improve the quality of enterprises from the inside and solve the problem of difficult loans.
【學(xué)位授予單位】：鄭州大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.4;F275;F276.3

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本文編號(hào)：2065023