利用民间金融缓解中小企业融资问题的研究

【作者】 季学凤；

【导师】 吴萍；

【作者基本信息】 南京理工大学 ， 管理科学与工程， 2008， 硕士

【摘要】 我国中小企业融资难,源于其融资渠道狭窄。民间金融在促进我国经济发展尤其在缓解中小企业融资难问题中发挥着重要的作用。然而,一直以来政府对民间金融采取抑制的政策。中国人民银行“2004年中国区域金融运行报告”中对于正确认识民间融资的补充作用的阐述,预示着民间融资合法时代的到来。正是基于此,本论文试图对利用民间金融解决中小企业融资问题作一些研究。本文在分析中小企业融资现状、介绍民间金融发展现状与特点的基础上,对中小企业利用民间金融融资的问题进行了需求分析和可行性分析,并对中小企业利用民间金融融资进行了理性的思考,在充分认识民间金融风险的基础上,引导民间金融的合法化,更好的为中小企业融资服务。更多还原

【Abstract】 SMEs financing meets with some difficulties in china, resulting from its narrow channels. Private banking, is a non-formal financial system, plays an important role in promoting China’s economic development, especially in alleviating the problem of financing for SMEs. However, the government has been taking the restraint policies in private banking. And till the People’s Bank of China, in the "2004 China’s regional financial operation report", have demonstrated a correct understanding of private financing’s supplementary role, which indicates the arrival of the year of lawful civil financing .Due to the above, this paper attempts to explore the problem of SMEs financing by utilizing private banking.Based on the analysis of the plight of the SMEs financing, as well as the introduction of the current state and the characteristics of the private financial development, feasibility analysis besides rational thinking of SMEs’ access to financing by using private financial are made. Based on the fully understanding of the civil financial risks, this paper guides the legalization of private banking and better financing for SMEs.更多还原