本文選題：中小企業(yè) + 產(chǎn)業(yè)集群�。� 參考：《江西財經(jīng)大學》2017年碩士論文

【摘要】：中小企業(yè)在我國國民經(jīng)濟中占據(jù)重要位置,它可以促進技術創(chuàng)新,拉動生產(chǎn)內需,從而帶動就業(yè)率的上升,一些大企業(yè)在中小企業(yè)的促成下也將進一步獲得發(fā)展空間。另外,在政府財政方面,中小企業(yè)的發(fā)展無疑將帶來更多的財政收入。因此,中小企業(yè)的發(fā)展在市場經(jīng)濟的發(fā)展中起了積極的催化作用,對我國的經(jīng)濟發(fā)展起到不可或缺的推動作用。然而,資金供給鏈卻遠遠不能滿足中小企業(yè)的需求,融資難、融資貴的問題是擺在全社會面前的一道難題。近年來,政府已然相繼出臺一系列有利于中小企業(yè)改革的政策,但是,中小企業(yè)融資難的問題仍然存在。究竟怎樣才能從其根源上改善,使融資問題不再成為中小企業(yè)發(fā)展的最大阻礙,這是值得思考的問題。隨著產(chǎn)業(yè)集群的形成和逐漸成熟,在一定程度上有效緩解了中小企業(yè)融資難題,但仍然未能從根本上得到解決。本文從產(chǎn)業(yè)集群背景下研究分析中小企業(yè)的融資現(xiàn)狀,首先,從大環(huán)境上分析了我國中小企業(yè)融資現(xiàn)狀,通過其所表現(xiàn)出來的困境延伸到湛江市中小企業(yè)融資現(xiàn)狀,體現(xiàn)產(chǎn)業(yè)集群背景下中小企業(yè)的融資優(yōu)勢,并指出目前湛江市產(chǎn)業(yè)集群融資優(yōu)勢尚未充分發(fā)揮。其次,通過產(chǎn)業(yè)集群背景下中小企業(yè)的自身條件分析,中小企業(yè)自身生產(chǎn)規(guī)模小,經(jīng)營能力差以及不完善的企業(yè)內部制度等構成了中小企業(yè)融資難的主要原因。另一方面,集群不合理的結構是當前中小企業(yè)產(chǎn)業(yè)集群最大的現(xiàn)實問題,融資成本高,融資渠道狹窄,融資體系不夠完善,政府支持力度不夠等等,都是企業(yè)外部融資環(huán)境存在的主要問題。通過太倉互助融資擔保模式、湖南汨羅再生工業(yè)園兩個成功案例分析,總結出其借鑒建議。從太倉案例分析,提出中小企業(yè)應實行產(chǎn)業(yè)集群企業(yè)會員制,聯(lián)合具有一定規(guī)模實力,且經(jīng)營狀況良好的同行企業(yè)實行互助擔保貸款模式,提高銀行信貸效率。成立產(chǎn)業(yè)集群會員互助型擔保公司,需要政府的政策支持。汨羅和太倉成功融資模式案例表明,任何一種融資創(chuàng)新都離不開政府和金融部門的有力支持,根據(jù)自身條件和政策環(huán)境巧妙地將相關部門各優(yōu)勢協(xié)調運用起來,相輔相成,將其優(yōu)勢最大化。本文針對當前產(chǎn)業(yè)集群背景下湛江中小企業(yè)的融資現(xiàn)狀,提出幾點對策建議:完善內部機制,提升集群內企業(yè)成員的融資信用度;完善集群結構,降低融資成本;發(fā)揮財政扶持資金的引導和杠桿作用,拓寬企業(yè)的融資渠道;加大政府支持力度,完善金融體系等。
[Abstract]:Small and medium-sized enterprises (SMEs) occupy an important position in our national economy, which can promote technological innovation, stimulate production domestic demand, and thus promote the increase of employment rate. Some large enterprises will also gain further development space under the promotion of small and medium-sized enterprises. In addition, in government finance, the development of small and medium-sized enterprises will undoubtedly bring more revenue. Therefore, the development of small and medium-sized enterprises plays an active catalytic role in the development of market economy and plays an indispensable role in promoting the economic development of our country. However, the supply chain of funds is far from meeting the demand of small and medium-sized enterprises. Financing is difficult and expensive financing is a difficult problem in front of the whole society. In recent years, the government has issued a series of policies in favor of SMEs reform, but the financing problem of SMEs still exists. It is worth thinking about how to improve the root of the problem so that the financing problem no longer becomes the biggest obstacle to the development of small and medium-sized enterprises. With the formation and maturity of industrial clusters, SMEs' financing problems have been effectively alleviated to a certain extent, but still can not be fundamentally solved. This paper studies and analyzes the financing status of SMEs from the background of industrial cluster. Firstly, it analyzes the financing status of SMEs in China from the general environment, and extends to the financing status of SMEs in Zhanjiang through its predicament. It reflects the financing advantage of SMEs under the background of industrial cluster, and points out that the financing advantage of Zhanjiang industrial cluster has not been brought into full play. Secondly, through the analysis of SMEs' own conditions under the background of industrial cluster, the main reasons for SMEs' difficulty in financing are small production scale, poor management ability and imperfect internal system. On the other hand, the unreasonable structure of the cluster is the biggest realistic problem of the industrial cluster of small and medium-sized enterprises at present. The financing cost is high, the financing channel is narrow, the financing system is not perfect, the government support is not enough and so on. Both are the main problems in the external financing environment of enterprises. Through Taicang mutual financing guarantee mode, Hunan Miluo Regeneration Industrial Park two successful cases analysis, summed up its reference suggestions. From the case analysis of Taicang, it is pointed out that small and medium-sized enterprises should implement the membership system of industrial cluster enterprises, and combine the peer enterprises with certain scale strength and good operating condition to implement mutual aid guarantee loan mode to improve the efficiency of bank credit. The establishment of industrial cluster member mutual support company, need government policy support. The successful financing model case of Miluo and Taicang shows that any kind of financing innovation can not be achieved without the support of the government and the financial sector. According to their own conditions and policy environment, the various advantages of the relevant departments are skillfully used to coordinate and complement each other. Maximize its advantages. In view of the current financing situation of small and medium-sized enterprises in Zhanjiang under the background of industrial cluster, this paper puts forward several countermeasures and suggestions: perfecting the internal mechanism, enhancing the financing credit degree of the enterprise members in the cluster, perfecting the structure of the cluster and reducing the financing cost; Give full play to the guidance and leverage of financial support funds, broaden the financing channels of enterprises, increase government support and improve the financial system.
【學位授予單位】：江西財經(jīng)大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F276.3;F275

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