發(fā)布時(shí)間：2018-03-10 14:37

  本文選題：小微企業(yè)　切入點(diǎn)：融資　出處：《河北大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

【摘要】：企業(yè)融資是企業(yè)財(cái)務(wù)管理的核心問(wèn)題，企業(yè)的融資狀況影響著企業(yè)的產(chǎn)品經(jīng)營(yíng)、業(yè)務(wù)發(fā)展、科技創(chuàng)新等。小微企業(yè)作為我國(guó)經(jīng)濟(jì)發(fā)展的主力軍，一直都受到融資難的困擾，這是全世界面臨的問(wèn)題，解決小微企業(yè)融資難的問(wèn)題也成為了世界性課題。小微企業(yè)在促進(jìn)經(jīng)濟(jì)增長(zhǎng)、增加就業(yè)、科技創(chuàng)新和穩(wěn)定社會(huì)等方面具有重要作用，企業(yè)的發(fā)展離不開(kāi)資金的支持，因此解決小微企業(yè)的融資難題能帶動(dòng)我國(guó)經(jīng)濟(jì)的發(fā)展。我國(guó)的小微企業(yè)受內(nèi)外因素的制約，與大型企業(yè)相比，獲得資金的難度大，為了改善這種局面，銀行、政府、企業(yè)各方都在積極改善融資環(huán)境、創(chuàng)新金融產(chǎn)品，但是就目前實(shí)際情況來(lái)看，只有少數(shù)企業(yè)能從現(xiàn)有的融資環(huán)境中獲益，大部分企業(yè)依舊存在融資難的問(wèn)題。 高陽(yáng)縣是全國(guó)的紡織強(qiáng)縣，小微企業(yè)是該縣實(shí)體經(jīng)濟(jì)的重要組成部分，，但是由于小微企業(yè)信息透明度底、抵押擔(dān)保不足、信貸風(fēng)險(xiǎn)高等原因，商業(yè)銀行不愿為小微企業(yè)提供資金，因此融資難的問(wèn)題十分突出，制約著當(dāng)?shù)匦∥⑵髽I(yè)的發(fā)展，對(duì)當(dāng)?shù)亟?jīng)濟(jì)的發(fā)展也造成諸多不利。 本研究是以高陽(yáng)縣的小微企業(yè)為調(diào)查對(duì)象，通過(guò)對(duì)高陽(yáng)縣的300家小微企業(yè)進(jìn)行抽樣問(wèn)卷調(diào)查，深入了解該縣小微企業(yè)的融資狀況。本文首先簡(jiǎn)要闡述了調(diào)研過(guò)程，分析了調(diào)查問(wèn)卷，得出了調(diào)研結(jié)果，了解了高陽(yáng)縣小微企業(yè)的融資現(xiàn)狀；然后從企業(yè)、銀行、其他外部環(huán)境的角度深入分析了高陽(yáng)縣小微企業(yè)融資難的原因；最后從產(chǎn)業(yè)集群融資的角度提出了對(duì)策建議。文章試圖通過(guò)創(chuàng)新產(chǎn)業(yè)集群融資模式破解高陽(yáng)縣小微企業(yè)融資困境，在分析產(chǎn)業(yè)集群融資優(yōu)勢(shì)的基礎(chǔ)上，結(jié)合當(dāng)?shù)禺a(chǎn)業(yè)集群的特點(diǎn)，提出了四種可供選擇的產(chǎn)業(yè)集群融資模式：供應(yīng)鏈融資模式、互助抵押貸款模式、互助擔(dān)保貸款模式、網(wǎng)絡(luò)聯(lián)保貸款模式，并同時(shí)對(duì)完善上述融資模式給出了具體的對(duì)策建議。
[Abstract]:Enterprise financing is the core issue of enterprise financial management. The financing situation of enterprises affects the product management, business development, scientific and technological innovation, etc. As the main force of our country's economic development, small and micro enterprises have always been troubled by the difficulty of financing. This is a problem facing the whole world, and solving the problem of financing for small and micro enterprises has also become a worldwide issue. Small and micro enterprises play an important role in promoting economic growth, increasing employment, scientific and technological innovation, and stabilizing society. The development of enterprises can not be separated from the support of funds. Therefore, solving the financing problems of small and micro enterprises can drive the development of our economy. The small and micro enterprises in our country are restricted by internal and external factors, and it is more difficult to obtain funds than large enterprises. In order to improve this situation, banks, governments and enterprises are all actively improving the financing environment and innovating financial products. However, as far as the actual situation is concerned, only a few enterprises can benefit from the existing financing environment. Most enterprises still have the problem of financing difficulties. Gaoyang County is a strong textile county throughout the country, and small and micro enterprises are an important part of the county's real economy. However, because of the bottom of the information transparency of small and micro enterprises, the lack of mortgage and guarantee, and the high credit risk, etc. Commercial banks are unwilling to provide funds for small and micro enterprises, so the problem of financing difficulties is very prominent, which restricts the development of local small and micro enterprises, and also causes many disadvantages to the development of local economy. This research takes small and micro enterprises in Gaoyang County as the investigation object, through sampling questionnaire survey to 300 small and micro enterprises in Gaoyang County, and deeply understand the financing situation of the small and micro enterprises in this county. This paper analyzes the questionnaire, obtains the survey results, understands the current financing situation of small and micro enterprises in Gaoyang County, and then analyzes the reasons for the difficulty in financing small and micro enterprises in Gaoyang County from the angle of enterprises, banks and other external environments. Finally, from the perspective of industrial cluster financing, the paper tries to solve the financing dilemma of small and micro enterprises in Gaoyang County by innovating the financing mode of industrial cluster, on the basis of analyzing the advantages of industrial cluster financing. According to the characteristics of local industrial clusters, this paper puts forward four alternative financing modes of industrial clusters: supply chain financing, mutual mortgage loan, mutual guarantee loan, network UNPROFOR loan, etc. At the same time, to improve the above financing model given specific countermeasures.
【學(xué)位授予單位】：河北大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F276.3;F275

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