本文關鍵詞： 信息不對稱 信貸創(chuàng)新 科技型中小企業(yè)橋隧模式融資　出處：《中國海洋大學》2014年碩士論文　論文類型：學位論文

【摘要】：我國科技型中小企業(yè)無論是在促進國家經濟社會發(fā)展方面，還是在基于產業(yè)鏈經濟背景下審視其對供應鏈競爭力的提升效果方面，都發(fā)揮著舉足輕重的作用�？萍夹椭行∑髽I(yè)卻因深受“資金缺口”困擾，發(fā)展受到嚴重制約�，F(xiàn)階段，銀行占據(jù)了我國絕大部分金融資源，銀行信貸融資仍是科技型中小企業(yè)獲得資金支持的主要渠道。而科技型中小企業(yè)面臨的信貸融資形勢較為嚴峻，信貸支持的不足使得科技型中小企業(yè)錯失了良好的發(fā)展機遇。特別是在金融危機爆發(fā)后，因資金缺乏，大多數(shù)科技型中小企業(yè)面臨經營困境，抗風險能力差的問題凸顯，解決科技型中小企業(yè)信貸融資問題迫在眉睫。 本文首先對國內外有關科技型中小企業(yè)信貸融資的經典理論及研究成果進行了歸納論述。目前有關科技型中小企業(yè)融資問題解決對策方面的研究成果主要集中在：大力發(fā)展中小金融機構和擔保機構、開展關系型貸款以及推動利率市場化等方面。事實證明，由于我國目前所處的經濟發(fā)展階段所造成的諸多限制，，上述方法有的短時間內難以見效，有的收效甚小，有的全面推廣的意義不大。本文以信息不對稱等相關理論為基礎，對導致科技型中小企業(yè)信貸融資難問題的成因進行了分析，認為根源在于同大企業(yè)相比科技型中小企業(yè)缺乏信貸融資所必需的信息優(yōu)勢。解決或緩解銀企雙方信息不對稱，降低交易成本是解決科技型中小企業(yè)信貸融資難的關鍵。在我國現(xiàn)階段客觀條件既定的情況下，商業(yè)銀行信貸產品創(chuàng)新是解決科技型中小企業(yè)信貸融資問題的有效途徑。 本文從解決導致科技型中小企業(yè)信貸融資難的成因入手，在信貸理念創(chuàng)新的基礎上，結合科技型中小企業(yè)特點，結合案例提出“科技型中小企業(yè)橋隧模式融資”創(chuàng)新業(yè)務，對業(yè)務評估體系、操作流程以及風險管理手段等進行了創(chuàng)新，旨在為科技型中小企業(yè)的融資問題提供有效途徑。
[Abstract]:China's small and medium-sized science and technology enterprises in promoting national economic and social development, or based on the economic background of the industrial chain to examine its competitiveness in the supply chain to enhance the effectiveness. Science and technology SMEs are troubled by the "fund gap", and their development is seriously restricted. At this stage, banks account for the majority of financial resources in our country. Bank credit financing is still the main channel for SMEs to obtain financial support. The lack of credit support makes the technology-based SMEs miss the good development opportunities. Especially after the financial crisis most of the technology-based SMEs are faced with management difficulties because of the lack of funds. The problem of poor ability to resist risks is prominent, and it is urgent to solve the problem of credit financing for small and medium-sized technological enterprises. In this paper, the classical theory and research results of credit financing for science and technology SMEs at home and abroad are summarized and discussed. At present, the research results on financing problems of science and technology small and medium-sized enterprises are mainly concentrated. In:. We will vigorously develop small and medium-sized financial institutions and guarantee institutions. Development of relational loans and promotion of marketization of interest rates. Facts have proved that due to the current economic development in China caused by many constraints, some of the above methods are difficult to achieve results in a short period of time. Some of the results are very small, some of the significance of comprehensive promotion. Based on the information asymmetry and other related theories, this paper analyzes the causes of the difficulty of credit financing for small and medium-sized technological enterprises. The author thinks that the reason lies in the fact that compared with the large enterprises, the small and medium-sized technological enterprises lack the information advantage necessary for the credit financing, and solve or alleviate the information asymmetry between the banks and the enterprises. Reducing transaction costs is the key to solve the problem of credit financing for small and medium-sized technological enterprises. Commercial bank credit product innovation is an effective way to solve the problem of credit financing. Based on the innovation of credit concept, this paper starts with the causes of the difficulty of credit financing for the small and medium-sized technological enterprises, and combines the characteristics of the small and medium-sized technological enterprises. Combining with the case, the paper puts forward the innovative business of "bridge and tunnel mode financing for small and medium-sized technological enterprises", and innovates the business evaluation system, operation process and risk management methods. The purpose of this paper is to provide an effective way for the financing of small and medium-sized S & T enterprises.
【學位授予單位】：中國海洋大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.4;F276.44

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