（毕业学术论文设计）-信贷融资研究—基于银行规模对中小企业融资关系影响.docVIP

[键入文字] 本 科 毕 业 论 文 信贷融资研究—基于银行规模对中小企业融资关系视角 Study on credit financing—Based on the size of bank financing for SMEs relationship perspective 学 院： 商学院 专业班级： 金融 081 学生姓名： 学 号： 520811116 指导教师： （副教授） 2012 年 5 月 毕业论文中文摘要 信贷融资研究—基于银行规模对中小企业融资关系影响 摘 要：虽然中小企业在提升经济增长、增进市场效率、创造就业机会、推动技术创新和促进国际贸易等方面发挥着大企业无法代替的作用，但是融资问题却是一个世界性难题。在我国，融资结构一个显著特点是过于单一，中小企业直接融资渠道较少，以银行信贷为例的间接融资比率过高。并且，大型银行盲目追求大型企业的资金需求，中小型银行的资金支持又无法满足日益壮大的中小企业。本文首先介绍了规模匹配理论，指出银行与企业之间的发展状况和关系，其次，基于银行规模对中小企业融资影响的角度，运用了多元线性回归模型进行实证分析，最后指出，银企之间若要开展合作发展战略，就必须协调各方的运营机制，公平对待金融市场秩序，促进双方的共赢。 关键词：银行信贷；中小企业；规模匹配理论；多元线性回归模型 毕业论文外文摘要 Study on credit financing—Based on the size of bank financing for SMEs relationship perspective Abstract: Although the SMEs play a role in enhancing economic growth, enhancing market efficiency, creating jobs, promoting technological innovation and the promotion of international trade which can not be placed by large enterprises. But the question of financing is a worldwide problem. In China, the financing structure have a distinctive feature of single, fewer direct financing channels for SMEs, bank credit, for example, a high rate of indirect financing. And large banks pursuit of the funding needs of large enterprises, the financial support of small and medium-sized banks unable to meet the growing SMEs. This paper first introduces the scale of matching theory, pointed out that the development and the relationship between banks and enterprises, secondly, pointed of the impact on SMEs financing based on bank size, used of multiple linear regression model to an empirical analysis, concluded that, to cooperation between banks and enterprises development strategy, it is necessary to coordinate the operation mechanism of the parties, the fair treatment of the financial markets, and promote mutual win-win situation. Keywords: bank fin