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Financing About Chinese Companies

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Submitted By DanCheung
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论文题目:我国中小企业融资扶持政策研究
学生姓名:张泽群
指导教师:冯亚萍
摘要
经过多年的发展,毫无疑问,中小企业在国民经济中已经占有重要地位。然而很长一段时间,受制于自身条件以及部分外部因素,缺乏良好的融资渠道已经成为制约中小企业壮大的最大的“瓶颈”。中小企业自身的不足决定了政府扶持政策的重要性。
本文首先描述了我国中小企业的发展状况和政府对于中小企业融资扶持政策的发展历程,从而确定了中小企业融资的困境,并且分析了造成这一融资困境的原因;然后将影子银行作为中小企业的一种融资渠道进行实证分析,从中发现融资扶持政策中的重要缺陷;最后,针对当前我国政府对中小企业融资扶持中的不足提出了相关改进和解决的建议。
本课题旨在运用经济学中的对比分析法即“对比经济学”和实例分析法来研究我国中小企业融资扶持政策。通过对我国中小企业的发展历程和相关融资扶持政策演进过程的纵向对比,以及对于实际例子的判断和分析,力图从宏观上发现目前中小企业融资扶持政策中的问题,提出有价值的意见。

关键词:中小企业;融资扶持;影子银行;政策

Title:A Study of the Chinese Support Policy for SME’s Finance
Name:Zequn Zhang
Supervisor:YapingFeng
ABSTRACT
After years of continuous development of SMEs, we have no doubt that SMEs have become a pillar of strength of the national economy. But for a long time, affected by many factors within and outside themselves, SMEs treat financing difficulties as their bigger “bottleneck”. It is SME’s deficiencies that make the support policy important.

This paper firstly describes the current situation of the Chinese SMEs and the development of related support policy and makes sure the difficulties need to be overcome. Then the paper gives an example of shadow bank to illustrate the weakness of policy to support SMEs financing. Last but not the least, the paper draws a conclusion that policy financing is a proper method but some obstructions come out during the operating process, also, the research proposes to strengthen government policy and offers some recommendations to support and improve the financing abilities of SMEs.

The purpose of this paper is to use comparative analysis method and instance analysis method in economics to study the support policy for SMEs’ finance in China. By reviewing the historical trajectory of the development of SMEs and related policy, the paper tries to find out the defects of Chinese support policy for SMEs’ finance and puts forward some constructive suggestions.

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