中小企業(yè)信貸融資存在問題和對(duì)策研究——以江蘇省宿遷地區(qū)為例.pdf

1、委糾犬學(xué)碩士專業(yè)學(xué)位論文(2008屆)中小企業(yè)信貸融資存在問題和對(duì)策研究——以江蘇省宿遷地區(qū)為例ResearchOntheproblemsandCountermeasuresofCreditFinanceforSMEs研冗生姓名塑絲監(jiān)——指導(dǎo)教師姓名王刖斌教授專業(yè)學(xué)位名稱工商管理研究方向墮垂鱟堡論文提交日期2008年9月中小企業(yè)信貸融資存在問題和對(duì)策研究英文摘要ResearchontheProblemsandCountermeasure

2、sofCreditFinanceforSMEsAbstractAlong謝t11thecontinuousdeepeningofeconomicreform，ChinasSMEsareplayingallincreasinglyimportantroleinthenationaleconomyHoweverOVeralongperiod，thefundstheSMEShaveobtainedcouldnotmatchuptheirimp

3、ortantroleinthenationaleconomywhichhasbecomeaseriousfactortestrainthedevelopmentoftheSMESSincetheimplementationoftightmonetarypolicyin2007，theissueofSMESfinancehasbecomeafocus，andalsohowtoresolvethefinancingdimcultieshas

4、becomeacommonconcernofthegovernmententerprisesandresearchersSothepaperisfocusedonthecreditfinancialproblemwhichisakeyfactortestrainthedevelopmentofSM匝sCreditfmancehasplayedanimportantroleintheSMEfinance，whicharecausedmai

5、nlybyfourfactors：firstly，adverseselectionandmoralhazardcausedbyasymmetricinformationbetweenthebanksandtheenterprisesaremajorreasons；secondlyhighoperationalrisksandimperfectfinancialsystemareinternalfactorsofthecreditfina

6、ncialissue；thirdly，thelackofeffectivecreditguaranteecapacitycausedbySMEscreditdefectsisalsoanimportantfactor；andfmally，theimperfectfinancialsystem，thelackofsmallandmediumsizedfinancialinstitutionsforSMEsmadeitdi伍culttome

7、ettheneedsofSMEscreditfundsThelastpartdiscussesthebuildingofthefinancingsystemforSMEs，whichincludestheconstructionofthecreditsystem，thesupplysystemandtheguaranteesystemoffinancingKeywordsTheSMEs；CreditFinance；Status；Coun