【作者】 何元龙；

【导师】 扈文秀；

【作者基本信息】 西安理工大学 ， 工商管理， 2003， 硕士

【摘要】 改革开放以来，非国有企业获得迅速发展，已经成为支撑和推动经济增长、促进国企改革深化、推动科学进步、提供劳动就业机会的重要力量。但是，与之不相应的是，非国有企业并没有完全享受到与国有企业一样的“国民待遇”，其中最为突出的就是难以获得金融支持的问题。资金融通问题对于非国有企业的顺利成长和发展壮大有着决定性的影响，这个问题如果不能获得妥善解决，势必影响到整个国民经济的可持续发展和改革开放的进一步深化。原有的金融支持体系从服务的主体对象、服务种类和范围到各金融机构的市场定位，均不能满足非国有企业的融资要求。因此，重新建立一个完善的，多层次的非国有企业金融支持体系，为非国有企业提供更多更好的金融服务已成为一个迫在眉睫的问题。 与以往研究不同的是，作为一篇工商管理硕士的学位论文，本文从非国有企业的微观角度入手，结合现代企业生命周期理论和经营管理理论的知识，分析了企业的融资需求和所处的生命周期阶段具体环境及企业特征之间的联系；探讨了如何根据企业生命周期对各金融机构重新进行市场定位，以便更好地服务于非国有企业的融资需求，使全社会金融资源的配置更有效率并实现金融机构自身效益的最大化。在研究了如何更好地利用现有金融机构支持非国有企业的基础上，本文就如何健全完善非国有企业金融支持体系提出了自己的看法。全文希望能从一个全新的视角和思路为政府决策部门、相关金融机构和有金融需求的非固有企业提供一些更切实可行的建议和参考。 论文首先介绍和剖析了非国有企业的作用、现状和金融困境。然后在对现有企业生命周期理论和阶段划分模型做一回顾和修正的基础上，就企业各生命周期阶段的经营目标、经营策略和融资需求、融资选择之间的关系做了一些研究探讨，指出了处于各不同生命周期阶段的非国有企业的最佳融资选择和目前金融支持之不足，并在此基础上，进一步就各种金融机构如何确定自身在非国企业金融支持体系中的市场定位、角色定位和怎样健全完善非国有企业金融支持体系提出了自己的看法。与目前一些学者持有的观点不同的是，本文不赞同西安理工大学工商管理硕士你侣A)学位论文非国有金融机构面向非国有企业，国有金融机构面向国有企业提供金融支持的市场定位方法，认为这样的定位过于笼统和片面，即不现实也不符合金融机构追求自身效益最大化的要求。因此仅仅通过大力发展非国有金融机构的方法来解决非国有企业金融支持不足的问题是行不通的。本文主张根据企业的生命周期阶段来进行市场细分，通过各种金融机构、金融组织根据企业不同生命周期阶段融资差异特征重新进行市场定位来解决该问题。除了如何更充分地发挥现有金融机构的作用外，本文还比较系统全面地探讨了如何建立一个较完善的非国有企业金融支持体系。更多还原

【Abstract】 Since reforming and opening to the outside world, the non-state-owned enterprises have had a rapid development and have become an important power for supporting and pushing economic increase, deepening the reform of state-owned enterprises, promoting science development and offering employment opportunities. On the contrary, the non-state-owned enterprises have not the same "national treatment" as the state-owned enterprises. The most outstanding problem is that it is difficult for the non-state-pwned enterprises to obtain financial supporting. Financing has a decisive effect on the prosperous development of non-state-owned enterprises. If the problem is not solved properly, the sustainable development of the whole national economy and reforming and opening will be affected. .As a view of the main object of service, service sort and area and the market, orientation of every financial institution, the original financial supporting system doesn’t ’meet for the demand of financing of the non-state-owned enterprises. Therefore, the, utmost urgent thing is to re-establish a perfect financial support system with many levels for the non-state-owned enterprises so that the more and better finance service for the non-state-owned enterprises can be provided.The MBA degree paper has many differences than other former papers. The distinctness exists in the following. With a microcosmic’view, the analysis for relations between the need for financing of enterprise and the concrete circumstance of life cycle period which enterprise lies in is done, by using the life cycle theory of modern enterprise and the.knowledge of management. While how to re-orient the market for financial institutions according to life cycle of enterprise is discussed in order to better serve for the demand of financing of the non-state-owned enterprises, more efficiently collocate the whole social financial resources and realize the maximal benefit of the financial institutions. On the basis of discussing how tobetter utilize the existing financial institutions to support the non-state-owned enterprises, some advances on how to construct a perfect and wholesome finance support system for the non-state-owned enterprises are presented in the paper. Furthermore, it is hoped that some more suitable suggestions and references are provided for government decision departments, related financial institutions and.the non-state-owned enterprises which need for financing from a whole fresh view and way.In the paper, the introduction and analysis for the status and financial predicament of the non-state-owned enterprises are firstly performed. Then, some researches on the relationship of the target of the management, operating strategy, financing demand and financing choice of every life cycle period are done on the basis of review and correction to the existing enterprises life cycle theory and period partition model. The optimal financing choice for the non-state-owned enterprises lying in different life cycle periods and the lack of the present financial support are pointed out. Furthermore, on how to determine itself market orientation and role orientation for every kind of financial institution and how to sound and perfect financial support system for the non-state-owned enterprises are presented. Compared to the present points hold to by most of scholars, the difterence point of this paper is that market orientation method for non-state-owned financial institutions supporting finance to non-state-owned enterprises and state-owned financial institutions supporting finance to state-owned enterprises is not agreed. It is thought that the orientation is too general and unilateral to fit for the reality and pursuing maximal benefit for financial institution. Thus, it. is impossible to solve lack support of finance for the non-state-owned enterprises only through largely develop non-state-owned financial institutions. It is claimed that the problem should be solved according to the life cycle period of enterprise to sub-plot market and the different en更多还原