【作者】 张超；

【导师】 吉洁； 赵幸福； Shi chuanbao；

【作者基本信息】 东北农业大学 ， 农村区域发展（专业学位）， 2014， 硕士

【摘要】 由于小微企业数量众多,发展水平与经营能力参差不齐,主要表现在管理思想陈旧和手段单一上,制约了其自身的发展。尤其是在农业企业当中,小微农业企业占据了绝大多数,其发展关系到农业现代化的实现。然而小微农业企业的发展缓慢,除管理方面的缺失外,还有另外一个重要的原因,就是融资方面存在困境,各商业银行及政策性银行贷款的对象主要是大型企业以及生产经营能力较强的中型企业,对于小微农业企业的金融市场准入门槛较高,其它融资渠道成本较高。即使中央多次出台政策扶持小微农业企业,但是由于其群体数量庞大、涉及面非常广泛,政策的具体落实和执行不够彻底,着力点不足,致使小微农业企业在融资方面出现融资难问题。我国小微企业尤其是小微农业企业普遍融资难,本文通过实地调查双鸭山市地区小微农业企业的融资难现状,来研究小微农业企业在融资方面存在的问题、原因及对策。本文以信贷配给理论、关系型贷款理论和信息不对称理论为基础,借鉴已有的研究成果,运用文献调查分析法和问卷调查法对双鸭山市小微农业企业进行了研究,总结双鸭山市小微农业企业发展现状,从融资渠道与方式、融资特征两个方面阐述双鸭山市小微农业企业融资现状,通过研究发现,双鸭山市小微农业企业存在着融资需求满足度不足、融资规模低、融资成本高以及融资结构不合理等融资难的问题,并从企业自身、担保环境及其他方面分析双鸭山市小微农业企业融资难的原因,从重构农村金融体系、提升小微农业企业的管理水平、保障融资渠道畅通以及完善信用评估体系和信用担保体系等四个方面提出了解决双鸭山市小微农业企业融资难的对策和建议。更多还原

【Abstract】 Due to the large number of small and micro enterprises, the level of development and management capability uneven, mainly in management thinking and outdated means of a single on restricted its own development. Especially among agricultural enterprises, small and micro enterprises accounted for the vast majority of agriculture, the development of relations to achieve agricultural modernization. However, the development of small and micro agribusiness slow, in addition to lack of management, there is another important reason is that the existence of financing difficulties, the object of all commercial banks and policy banks loans are mainly large corporations as well as a strong production and management capacity medium-sized enterprises, small and micro agricultural enterprises for financial market access threshold is higher, the higher the cost of other financing channels. Even if the Central Committee has repeatedly introduced policies to support small and micro agricultural enterprises, but because of its large number of groups, covers a very wide range, specific implementation and execution of the policy is not thorough enough, lack of focus, resulting in the problem of financing small and micro enterprises have in financing agriculture. China’s small and micro enterprises, especially small and micro enterprises in general agriculture financing difficulties, the paper fieldwork difficult financing situation Shuangyashan City area small and micro agricultural enterprises, small and micro agricultural enterprises to study the financing problems of the reasons and countermeasures.In this paper, the theory of credit rationing, relationship lending theory and asymmetric information theory, drawing on existing research, analysis and use of literature survey questionnaire for Shuangyashan small and micro enterprises in the study of agriculture, small and micro summary Shuangyashan Situation agribusiness development, from financing and ways of financing features two elaborate Shuangyashan status of agricultural financing of small and micro enterprises, through the study found Shuangyashan small and micro agricultural enterprises exist to meet the financing needs of the shortage, low financing, financing costs high and unreasonable financial structure financing problem. From the enterprises themselves, the environment and other aspects of the analysis guarantees Shuangyashan agricultural enterprises financing difficulties of small and micro reasons put forward reconstruction of rural financial system, improve the management of agricultural enterprises of small and micro level to ensure smooth financing channels and improve the credit evaluation system and credit guarantee system Solutions and suggestions Shuangyashan small and micro agricultural enterprises financing difficulties.更多还原