【作者】 刘杰；

【导师】 陈元清；

【作者基本信息】 天津师范大学 ， 政治经济学， 2016， 硕士

【摘要】 小微企业融资难的问题是一个世界性的话题。西方发达国家对于小微企业无论从制定法律法规还是政府扶持上都十分的重视,制定出相应的政策保护小微企业的发展。我国小微企业的发展刚刚起步,小微企业由于自身管理水平有限,信息化程度较低,缺乏可靠的抵押物,企业财务状况不透明,制度不健全。导致银行在信息不完全的情况下,不会轻易通过小微企业的贷款申请,致使小微企业资金链断裂,濒临破产。本文采用了理论分析的研究方法,通过对小微企业和银行融资行为的博弈分析,总结出造成小微企业融资困难的原因,系统科学地提出可行性的建议,将会对解决我国小微企业融资难的问题有所助益。本论文主要分为6个部分。第1章是绪论,主要介绍了研究背景、意义,回顾和总结国内外学者对小微企业融资发展的研究现状,以及本文的研究思路、研究内容、研究方法、创新点。第2章是小微企业和融资的理论基础,介绍了小微企业的划分,小微企业的重要性,国际上流行的融资经典理论、博弈论以及小微企业融资的主要模式、融资渠道等基础理论知识。第3章是国外小微企业融资情况的介绍以及发达国家美国、日本、意大利和发展中国家孟加拉国值得我国借鉴的融资发展经验。第4章是我国小微企业融资发展现状以及融资难问题的成因,从小微企业发展状况与融资渠道不匹配,融资政策与实践效果相悖总结出小微企业融资困难的原因。第5章通过博弈论来讨论小微企业和银行之问的融资博弈,分别从信息完全情况下,信息不完全情况下以及引入政府部门参与的三个角度进行分析,总结归纳出均衡博弈。第6章是小微企业融资难问题的解决方法和建议,从政府角度,小微企业自身角度以及金融机构角度出发,有针对性的提出相应的对策建议,以解决小微企业融资的困境。更多还原

【Abstract】 Small & Micro-enterprise(SME) financing difficult problem is a worldwide topic, western developed countries for SME from the development of laws and regulations or government support is very important, they formulate corresponding policies to protect the development of SME. The development of SME in our country has just started, SME due to their own management level is limited, the level of information is low, the lack of reliable collateral, corporate financial situation is opaque, the system is not perfect. Led to the bank in the case of incomplete information, it is not easy to apply for loans by SME, resulting in SME funding strand breaks, on the verge of bankruptcy. In this paper, the research methods of theoretical analysis, through to SME and bank financing behavior game analysis, summarize the cause of SME financing difficult reason, scientifically and systematically put forward the feasible suggestion will to solve our country SME financing difficult problem helpful.This paper is divided into six parts. The first chapter is the introduction, mainly introduces the research background, significance, review and summary of domestic and foreign scholars on the development of SME financing research status, as well as the research ideas, research content, research methods, innovation. The second chapter is SME and financing theory foundation, introduces the division of SME, the importance of SME, which is popular in the international financing of the classical theory, game theory and SME financing mode, financing channels, etc. basic theoretical knowledge. The third chapter is the introduction of SME in foreign countries and the developed countries of the United States, Japan, Italy and other countries in the developing countries are worth learning from the financing of China’s development experience. Chapter 4 is the causes of China’s SME financing status and financing difficult problem, SME development and financing channel mismatch, financing policy and practice of inconsistent effect summed up SME financing difficult reason. In Chapter 5, through the game theory to discuss the financing game between SME and banks, respectively under the condition of complete information, incomplete information and introducing government departments involved in the three angles of the analysis, summarized the game equilibrium. Chapter 6 is the methods and proposals to solve the problem of financing SME, starting from the point of view of the government, SME of their own point of view and financial institutions, the paper puts forward the corresponding countermeasures and suggestions to resolve the plight of SME financing.更多还原