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论文编号：	7472
作者编号：	2220130027
上传时间：	2015/6/10 12:58:49
中文题目：	青岛市中小企业融资影响因素策略研究
英文题目：	The Study on Medium and Small Sized Enterprise’s
指导老师：	张玉利教授
中文关键字：	中小企业；融资现状；影响因素；政策建议
英文关键字：	Financing Status；Influencing Factor；Policy Recommendations
中文摘要：	中小企业在我国经济组成中占有重要地位，近年来全国约60%的国内生产总值，70%的出口额和50%的国家税收都是由中小企业部分创造的，同时在我国解决80%的就业岗位。中小企业的发展与国家民生、就业和社会稳定紧密关联。它们在活跃市场经济和促进经济增长、拉动就业等方面一直扮演重要角色，涉及我国的经济、民生和社会稳定。目前，我国中小企业已成为推动国民经济发展的重要力量，不仅成为中国社会经济中最大的企业群体，同时在解决劳动力就业、促进国民经济的发展中发挥了重要的作用。然而，中小企业融资难是世界性难题，各国政府都在积极为中小企业创造更好的金融环境，促进其迅速发展。目前，如何有效化解中小企业融资难问题是现阶段各级政府和金融部门共同面临的一个重要课题。有鉴于此，本文在对中小企业融资相关理论文献综述的基础上，采用发放问卷并结合走访的方式调研了青岛市的319家中小企业。首先，我们利用调研所获数据从对青岛市中小企业融资难现状及问题进行了分析，共分为五方面内容，分别为资金结构与融资需求、中小企业的信贷需求状况、中小企业信用担保情况分析、政府支持在融资中的作用、青岛市中小企业融资状况整体分析；然后，我们从担保机构，政府作用，民间借贷，企业诚信，银行规模五方面，采用横截面Logit模型来实证分析中小企业融资状况的影响因素；最后，在前文分析基础上给出了缓解我国中小企业融资难问题的解决途径和政策建议。本文的结论对于促进中小企业的健康发展和实现中国社会经济发展目标、保持经济持续发展和社会稳定，创造劳动力就业机会、完善社会主义市场经济体制，都具有很强的理论和现实意义。同时，本文的研究结论能够为我国政府解决中小企业融资难题实施有效的政策提供了一定的理论依据，同时对于促进我国中小企业健康发展也具有十分重要的现实意义。
英文摘要：	The small and medium-sized enterprise is the power in Chinese economic development, In our country, small and medium-sized enterprises assume more than 60% GDP, 70% export and more than 50% tax, solve 80% jobs. It is very important to our country’s economy, people's livelihood and social stability. is the most innovative vitality cells in our country’s market economy system. They play a very important role in the promotion of economic growth, the active market economy, the protection of employment and promote technological progress. In our country, small and medium-sized enterprises assume more than 80% jobs and more than 70% tax, and is very important to our country’s economy, people's livelihood and social stability. At present, China's small and medium enterprises have become an important force to promote national economic development, not only become the largest enterprise groups in Chinese social economy, at the same time they play an important role in resolving labor employment and promotion national economy development. However, due to the constraints of small and medium-sized enterprise development limitations and external financing environment, financing has been the main bottleneck in restricting our country’s small and medium-sized enterprise’s growth. At present, the important subject is how to resolve the financing difficulties of small and medium-sized to all levels of government and the financial sectors. In view of this, this article uses the way of questionnaire combined with the visit to investigate 319 enterprises in Qingdao City on the basis of small and medium enterprises financing theory. Fisstly, we use the investigation data to analyse financing situation of small and medium-sized enterprises in Qingdao city and the existing problems, it is divided into five aspects: capital structure and financing needs, the credit demand situation of SMEs, the small and medium-sized enterprise credit guarantee situation analysis, the role of government support in financing, the overall financing state of small and medium-sized enterprises in Qingdao City; Secondly, from five aspects: the guarantee agencies, the role of government, private lending, corporate credit, bank size, we analyze the influence factors of financing state of SMEs using cross-sectional Logit model; Finally, on the basis of previous analysis this paper gives solutions and policy recommendations to alleviate the financing difficulties of small and medium-sized enterprises in our country. The conclusion of this paper has strong theoretical and practical significance in promoting the healthy development of small and medium-sized enterprises, realizing the goal of social economy development, maintaining sustained economic development and social stability, creating employment opportunities, improving the socialist market economic system,. At the same time, the conclusion of this study provides a theoretical basis for the formulation of effective credit financing policy for Chinese government to solve the financing problem of SMEs, and also we points out the reform direction to solve the problem of SME financing, the conclusion has important practical significance.
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