基于银行视角的中小企业融资问题研究
在我国，中小企业作为我国经济的重要参与主体，其数量和对经济的贡献能力值得重视，尤其在缓解就业压力、实现技术创新方面，发挥着越来越重要的作用。然而，随着金融危机的到来，中小企业融资难问题进一步凸现出来，尤其是我国中小企业银行融资作为我国中小企业融资的最重要渠道，成为中小企业融资的最大约束。本文的研究主题就是针对当前中小企业银行融资难问题。
本文在对当前我国中小企业融资的经济环境、制度环境方面进行全面考察的基础上，从银行、企业、政府三方面对中小企业融资存在的问题、成因进行了分析，并结合欧盟对中小企业融资的先进经验，学习其制度经验、银企信息不对称消除的方法，对中小企业银行融资难问题解决提出了相关对策，对我国中小企业融资中信息不对称、制度缺陷的解决具有重要意义。
本文论述一共分为四部分。第一部分是绪论部分，对本文的研究背景、研究意义和目的进行论述。第二部分对中小企业的经营特点和融资现状进行分析，以了解中小企业的经营现状、经济环境和制度环境。第三部分对中小企业融资难问题及其成因进行分析，从国家制度供给方面、银行信贷供给方面以及中小企业自身发展的不足方面分别分析中小企业融资难的成因。第四部分，本文针对我国中小企业融资难问题的解决分企业、银行、政府三方面，从制度、信息不对称、市场规制方面分别进行改善。
关键词： 中小企业；信贷融资；银企博弈；信息不对称；
In Chinese domestic market, minor enterprises are important part of the market development, it is contributing more to the economy development and employment, technology innovation. However, when the financial crisis coming, the minor enterprises’ financing crisis has limited the development of minor enterprises and especially the bank financing, the most important way of financing, has been a limit of the minor enterprise financing.
This paper will do analysis on the minor enterprises financing, from the bank, enterprise and government angles, the paper analyzed the problems and the causes of the financing problem. And this paper also takes Europe countries as the example and analyzed the financing experiences. There are some useful experiences can help with solving Chinese financing problems of minor enterprises.
This paper has four parts. The first part is the introduction to the paper, introduced the background, research importance and the purpose of the research. The second part is about the minor enterprises’ operation characters, the present financing situation, to help with us understand the minor enterprises’ financing environment including economy environment and policy environment. The third part is the analysis on the minor enterprises’ financing difficulties including the government’s institution supply, the banks’ finance supply and the enterprises’ operation defects. The fourth part is the conclusion part. The solutions to the financing difficulties are concerning the government, the banks and the minor enterprises. The solutions should be developed from the institution development, the market supply and demand, the information asymmetry elimination.
KEYWORDS: Minor Enterprises; Financing; Bank- Enterprise Theory; Information Asymmetry;
目录
第四章 从银行体系的视角探索中小企业融资问题解决对策… 19
