基于銀行視角的中小企業(yè)融資問題研究

1、基于銀行視角的中小企業(yè)融資問題研究基于銀行視角的中小企業(yè)融資問題研究在我國，中小企業(yè)作為我國經(jīng)濟(jì)的重要參與主體，其數(shù)量和對經(jīng)濟(jì)的貢獻(xiàn)能力值得重視，尤其在緩解就業(yè)壓力、實現(xiàn)技術(shù)創(chuàng)新方面，發(fā)揮著越來越重要的作用。然而，隨著金融危機(jī)的到來，中小企業(yè)融資難問題進(jìn)一步凸現(xiàn)出來，尤其是我國中小企業(yè)銀行融資作為我國中小企業(yè)融資的最重要渠道，成為中小企業(yè)融資的最大約束。本文的研究主題就是針對當(dāng)前中小企業(yè)銀行融資難問題。本文在對當(dāng)前我國中小企業(yè)融資的經(jīng)濟(jì)

2、環(huán)境、制度環(huán)境方面進(jìn)行全面考察的基礎(chǔ)上，從銀行、企業(yè)、政府三方面對中小企業(yè)融資存在的問題、成因進(jìn)行了分析，并結(jié)合歐盟對中小企業(yè)融資的先進(jìn)經(jīng)驗，學(xué)習(xí)其制度經(jīng)驗、銀企信息不對稱消除的方法，對中小企業(yè)銀行融資難問題解決提出了相關(guān)對策，對我國中小企業(yè)融資中信息不對稱、制度缺陷的解決具有重要意義。本文論述一共分為四部分。第一部分是緒論部分，對本文的研究背景、研究意義和目的進(jìn)行論述。第二部分對中小企業(yè)的經(jīng)營特點和融資現(xiàn)狀進(jìn)行分析，以了解中小企業(yè)的經(jīng)

3、營現(xiàn)狀、經(jīng)濟(jì)環(huán)境和制度環(huán)境。第三部分對中小企業(yè)融資難問題及其成因進(jìn)行分析，從國家制度供給方面、銀行信貸供給方面以及中小企業(yè)自身發(fā)展的不足方面分別分析中小企業(yè)融資難的成因。第四部分，本文針對我國中小企業(yè)融資難問題的解決分企業(yè)、銀行、政府三方面，從制度、信息不對稱、市場規(guī)制方面分別進(jìn)行改善。關(guān)鍵詞：關(guān)鍵詞：中小企業(yè)；信貸融資；銀企博弈；信息不對稱；中小企業(yè)；信貸融資；銀企博弈；信息不對稱；ABSTRACTABSTRACTInChinesed

4、omesticmarketminenterprisesareimptantpartofthemarketdevelopmentitiscontributingmetotheeconomydevelopmentemploymenttechnologyinnovation.Howeverwhenthefinancialcrisiscomingtheminenterprises’financingcrisishaslimitedthedeve

5、lopmentofminenterprisesespeciallythebankfinancingthemostimptantwayoffinancinghasbeenalimitoftheminenterprisefinancing.Thispaperwilldoanalysisontheminenterprisesfinancingfromthebank目錄目錄第一章第一章緒論緒論..........................

6、........................................................................................................41.1研究背景............................................................................................................

7、................41.2研究目的及意義...............................................................................................................51.3本文的研究內(nèi)容和思路....................................................................

8、...............................5第二章第二章中小企業(yè)的經(jīng)營特點和融資現(xiàn)狀中小企業(yè)的經(jīng)營特點和融資現(xiàn)狀.....................................................................................62.1中小企業(yè)經(jīng)營特點.........................................................

9、..................................................62.1.1中小企業(yè)界定標(biāo)準(zhǔn)................................................................................................62.1.2中小企業(yè)經(jīng)營特點..............................................

10、.................................................72.2中小企業(yè)的融資發(fā)展現(xiàn)狀...............................................................................................82.2.1中小企業(yè)融資環(huán)境...............................................

11、................................................92.2.2中小企業(yè)融資規(guī)模增...........................................................................................92.2.3中小企業(yè)融資渠道....................................................

12、...........................................9第三章第三章中小企業(yè)銀行融資難成因探索中小企業(yè)銀行融資難成因探索.......................................................................................103.1國家扶持政策和引導(dǎo)政策不足.......................................

13、...............................................113.1.1融資扶持政策的問題.........................................................................................113.1.2市場監(jiān)管問題.......................................................

14、.............................................113.1.3擔(dān)保環(huán)境不成熟.................................................................................................123.2商業(yè)銀行信貸供給缺陷.................................................

15、................................................133.2.1商業(yè)銀行傳統(tǒng)的戰(zhàn)略理念和信貸投向模式.....................................................133.2.2商業(yè)銀行信貸考核、激勵機(jī)制不完善.............................................................143.2.3商業(yè)銀

16、行信貸管理制度過度約束.....................................................................143.2.4商業(yè)銀行缺乏有效的中小企業(yè)信貸管理流程.................................................153.3中小企業(yè)自身局限性...................................................

17、..................................................153.3.1中小企業(yè)規(guī)模小，風(fēng)險分擔(dān)能力弱.................................................................153.3.2中小企業(yè)管理不規(guī)范，創(chuàng)新能力差.............................................................

18、....163.3.3中小企業(yè)財務(wù)不規(guī)范.........................................................................................163.3.4中小企業(yè)信用缺失.............................................................................................173

19、.4商業(yè)銀行與中小企業(yè)信息不對稱與制度約束..............................................................173.4.1銀行與中小企業(yè)之間的博弈關(guān)系.....................................................................173.4.2信息不對稱下的銀企融資博弈...........................

20、..............................................183.4.3信息成本與銀企融資博弈.................................................................................18第四章第四章從銀行體系的視角探索中小企業(yè)融資問題解決對策從銀行體系的視角探索中小企業(yè)融資問題解決對策.......................

21、............................194.1政府對中小企業(yè)融資的支持..........................................................................................194.1.1制定和完善中小企業(yè)融資法律法規(guī)...............................................................

22、...194.1.2完善信用擔(dān)保體系.............................................................................................194.1.3加強(qiáng)信用環(huán)境建設(shè).............................................................................................2

23、04.1.4拓寬中小企業(yè)融資渠道......................................................................................214.1.5建立風(fēng)險補(bǔ)償基金.............................................................................................224.2銀行對中小

24、企業(yè)融資的支持..........................................................................................224.2.1構(gòu)建銀企聯(lián)盟....................................................................................................224.2.2完善信

25、貸管理制度的完善.................................................................................234.2.3商業(yè)銀行完善信貸風(fēng)險控制制度......................................................................234.3中小企業(yè)自身完善...........................