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论文编号：	5764
作者编号：	2220110330
上传时间：	2013/12/4 13:23:27
中文题目：	我国中小企业集群互助担保融资模式研究
英文题目：	Secured financing of SME cluster models
指导老师：	边泓
中文关键字：	中小企业集群;中小企业融资;互助担保
英文关键字：	Clusters of SMEs;Financing for SMEs;Mutual guarantee
中文摘要：	我国中小企业在国民经济总量中占据了重要地位，它们对拉动经济增长、发展产业、完善市场经济体制等方面起到了很大的推动作用。自改革开放以来，中小企业迅速地发展，其需要的发展资金也越来越多。但由于自身缺陷导致的其社会信任度低、融资渠道少、融资成本高等原因，融资难一直是中小企业的心头之痛。随着经济不断发展和我国政府的引导鼓励，中小企业集群互助担保融资模式在各地陆续应运而生，给中小企业带来了一线生机。但是，在进入2011年以来，由于资金链断裂、加薪潮和人民币升值等原因，我国不少地区陆续出现了大批中小企业倒闭的现象，给经济带来不小的冲击。2011年央行更是连续五次上调存款类金融机构人民币存款准备金率，在通胀的压力下，准备金率开始了密集地上调，这一情况不利于资金的流动，致使一些缺少资金的中小企业举步维艰。原有的中小企业集群互助担保融资模式也逐渐暴露出了它们的不足，因此，如何解决中小企业融资难问题成为我国政府面临的首要问题。本文回顾了国内外相关研究文献，以中小企业融资和互助担保等相关理论为基础，研究了中小企业集群互助担保融资模式的经济效用，肯定了中小企业集群互助担保融资模式存在的必要性。然后结合典型案例对该种模式做了进一步分析，研究了其运作方式，并总结归纳出该模式在运用过程中暴露出来的劣势。针对在应用中暴露出来的弊端，结合我国国情，本文对该模式的组织结构、业务流程和风险控制进行了进一步完善，最后对中小企业集群互助担保融资模式的推广提出了相关的政策建议。
英文摘要：	Small and Medium Enterprises (SMEs) of our country occupy an important position in the overall national economy, they stimulate economic growth, the development of industry, improve market economic system has played a significant role in promoting. Since the reform and opening up, the rapid development of SMEs, the demand for capital is also growing, due to their own defects lead to social trust is low, financing channels, the reasons for higher financing costs, difficulty in raising finance has always been the heart of SMEs pain. As the economy continues to grow and our government to guide and encourage the mutual guarantee financing model of SME clusters around one after another came into being, bring a lifeline to SMEs. Since the beginning of 2011 due to funding strand breaks, pay rise of tide and appreciation of the renminbi and other reasons, many areas of China, emerging a large number of SMEs collapse, not a small impact to the economy.In 2011 the central bank is for the five time to raise deposit-taking financial institutions renminbi deposit reserve rate, the inflation pressure, dense up regulation of the reserve rate tightening liquidity, this makes a lot of relying on bank loans to maintain the operation of SMEs pour out one's endless grievances. The original group of medium and small businesses of mutual guarantee financing mode gradually exposed their shortcomings, how to effectively solve the problem of financing SMEs at all levels of government be placed in front of an urgent need to address the issue. This paper reviews the relevant literature at home and abroad, based on the financing of SMEs and mutual guarantee and other related theories as the foundation, study the cluster of SMEs mutual guarantee financing mode of the economic effectiveness, affirmed the cluster of SMEs mutual guarantee financing mode of existence. Then combined with a typical case of this kind of mode to do further analysis, to study the mode of operation, summarizes the pattern in the process of using exposed weaknesses. In applications exposed malpractice, combine our country national condition, the mode of organization structure, business process and risk control for the further refinement, the last of the cluster of SMEs mutual guarantee financing mode of promotion puts forward relevant policy suggestions.
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