荆门市小微企业融资困境及其对策研究

发布时间：2018-11-21 15:30

【摘要】：小微企业是实体经济的重要基础，在促进经济增长、提供就业岗位、推动经济结构转型升级和维护市场竞争机制等方面具有不可替代的作用。但对于湖北省荆门市而言，小微企业融资难、融资贵却成为阻碍荆门市小微企业发展最大的瓶颈。论文对湖北省荆门市小微企业的发展状况和融资现状进行了全面研究，深入分析了该市小微企业融资困难的表现形式、形成原因，并从小微企业自身、银行业等金融机构、公共管理部门三方面提出了相关解决办法。目前，荆门市小微企业融资存在着资金供需矛盾突出、融资成本节节攀升、融资环境有待优化、民间借贷占比过高等问题。造成荆门市小微企业融资困境主要有小微企业、银行业等金融机构和公共管理部门三方面的因素，小微企业自身因素是小微企业自身规模小、管理落后、财务制度不健全、缺少抵押担保物和经营风险大等等；银行业则是由于信贷投放机构单一，小微信贷产品缺乏；公共管理部门的因素主要是信用担保体系有缺陷；政策扶持还不够充分等等。破解荆门市小微企业融资困境需要企业、金融机构、公共管理部门三者共同努力，例如小微企业要提升自身素质、强化信用意识；银行业金融机构要加快设立小微服务专营机构，创新业务和产品；政府和监管部门要强化公共管理职能，规范民间借贷和落实支持和监管政策等。
[Abstract]:As an important foundation of the real economy, small and micro enterprises play an irreplaceable role in promoting economic growth, providing jobs, promoting economic structural transformation and upgrading and maintaining the market competition mechanism. However, for Jingmen City, Hubei Province, the financing of small and micro enterprises is difficult, but expensive financing has become the biggest bottleneck to the development of small and micro enterprises in Jingmen City. This paper makes a comprehensive study on the development and financing status of small and micro enterprises in Jingmen City, Hubei Province, analyzes in depth the forms and causes of the financing difficulties of small and micro enterprises in this city, and the financial institutions such as the small enterprises themselves, the banking industry and so on. Three aspects of public administration put forward the relevant solutions. At present, the financing of small and micro enterprises in Jingmen City has many problems, such as outstanding contradiction between supply and demand of funds, rising financing cost, the need to optimize the financing environment, the high proportion of private loans and so on. The financing difficulties of small and micro enterprises in Jingmen are mainly caused by three factors: small and micro enterprises, banking and other financial institutions and public administration departments. The small and micro enterprises themselves are small in scale, backward in management and imperfect in financial system. Lack of mortgage collateral and large operating risks and so on; Banking is due to the single credit institutions, the lack of micro-credit products; the main public sector factors are credit guarantee system defects; policy support is not enough, and so on. To solve the financing dilemma of small and micro enterprises in Jingmen needs the joint efforts of enterprises, financial institutions and public administration departments. For example, small and micro enterprises should improve their own quality and strengthen their credit consciousness. Banking institutions should speed up the establishment of small microservice franchises to innovate businesses and products, and governments and regulators should strengthen public management functions, regulate private lending and implement support and regulatory policies.
【学位授予单位】：华中科技大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F276.3;F275

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