【作者】 李杰；

【导师】 武龙；

【作者基本信息】 河南大学 ， 工商管理（专业学位）， 2013， 硕士

【摘要】 河南是我国的农业大省，与农业相关的小企业众多，本文就河南农业小企业的融资问题展开研究。小企业融资难在我国是一个全国性的问题，而农业小企业的融资遭遇也是一样，如何解决农业小企业的融资难问题是本文的目的，农业小企业对于社会的贡献很大，尤其在社会稳定以及吸收农村富余劳动力方面有着不可估量的作用。但我国农业小企业长期没有有效的融资渠道，且整体经营发展水平较低，如果这种现象长期存在，对我国第一产业的发展将形成一定的影响。本文对河南具有代表性的地方做了两个问卷调查，就有关农业小企业的融资方面的问题进行了调查和数据统计，进而了解河南农业小企业的融资现状、融资渠道、融资结构等问题。通过本次的调研，对河南省农业小企业的融资情况有了一个全面的了解，并通过定性与定量的方法来研究农业小企业融资难的问题。全文共分为六个部分，第一部分为导论部分，第二部分为农业小企业的理论综述部分，第三部分为河南省农业小企业融资现状及存在问题分析，现状分析从融资需求分析、融资渠道分析、融资结构分析三个方面展开，在融资方面从金融业融资和民间融资两个方面展开分析；第四部分为河南农业小企业融资难原因分析，企业自身有三个方面的原因：企业规模实力不佳、企业管理体系不健全、企业信用缺失。在担保环境原因方面有两个原因：担保法律制度不健全、担保实力和抗风险能力不强。此外还有以下三个原因：国家政策执行不足、商业银行的信贷供给缺陷、商业银行与企业信息不对称；第五部分为河南省农业小企业融资困境的对策，主要有以下五个对策：重构农村金融体系、提升龙头企业的经营管理水平、拓宽农业小企业的融资渠道、完善农业小企业的保险机制、完善信用评估体系和信用担保体系；最后一部分为结论。更多还原

【Abstract】 As one of the biggest agricultural province in China, Henan has a large numberof small agricultural companies. This thesis investigated in financing issues of smallagricultural companies in Henan province. Hard to get funding for small companies is ageneral issue in our country, and this difficulty is even more obvious for smallagricultural companies.As we are all aware, small agricultural companies contribute a lot to our stablesociety by generating a large number of countryside jobs. However, in the past decades,there is lack of effective financing source for those companies which generally operatedat low efficiency. Thus if the current situation persist in future, it will impose someimpact on the development of our first industry in our country.This paper did questionnaire analysis in two Henan representative areas: weperformed investigation and statistics regarding the financing issues for smallagricultural companies, such as the current funding situation, funding resources as wellas funding structures. Through this analysis, we have gained further and comprehensiveunderstanding about the financing difficulty issue for the small agricultural companies,in addition, we have studied this problem via quantitative and qualitative methodology.This paper can be split into six parts: the first part is introduction and the secondpart is the summary of all theories related to small agricultural companies; in the thirdpart, this paper analysed the current situation of financing difficulties and its relatedproblems, this analysis performed from financing demand, financing resources andstructures. In terms of financing resources, we investigated in obtaining funding from both financial institutions and private parties; in the fourth part, we explored the possiblereasons of financing difficulty from the following three areas, small company scale, lackof comprehensive management system and lack of creditability. From guaranteeperspective there are two reasons, no comprehensive legal support and weak risk controlability. There are three more reasons, the less execution degree of government policy, notenough credit supply from commercial banks and the information asymmetry betweencommercial banks and corporations. The fifth part includes the five proposed possiblesolution for the financing issue, restructure rural financial system, improve managementability of representative companies, extend financing channel of small and mediumcompany, improve insurance system of small companies in rural area and improve thecredit rating and guarantee system. The last part conclude this analysis.更多还原