促进民间资本参与我国小微企业融资问题研究-金融学专业论文.docxVIP

摘 要 摘 要 我国小微企业数量众多，据统计，我国小微企业数量占我国企业总量的 87%左右， 解决我国将近 70%的企业人员就业。小微企业作为我国经济体系中活跃的参与者，逐渐 发挥着巨大的作用。然而小微企业的生存环境却不容乐观，其中最重要的问题是我国小 微企业缺少顺畅、有效的融资渠道，这种现象造成我国小微企业生存周期短、经营效率 低下等问题。与此同时，经过三十多年的改革开放，我国民间聚集着大量资本，其中大 部分的民间资本由于缺少合理的投资途径而处于休眠或半休眠状态，造成了大量资本的 浪费。因此如何让我国的民间资本更多的参与小微企业融资成为了一个重大的课题。如 果能够使更多的民间资本合理、安全的参与到我国小微企业融资市场，一方面可以解决 目前小微企业融资困难的困境，另一方面可以实现民间资本增值，增加民众的收入，进 一步缩小我国国民收入的收入差距。 本文主要从促进民间资本参与小微企业融资角度出发，首先在明确界定民间资本和 我国小微企业概念的基础上，对目前我国小微企业融资情况进行一定的说明，并着重阐 述民间资本参与我国小微企业融资的现状及存在的问题；其次论证促进民间资本参与小 微企业融资的可行性和民间资本所具有的优势，再利用实证分析法阐述促进民间资本参 与小微企业融资的效果；最后从完善市场机构和优化市场监管措施两个方面出发，对如 何积极促进民间资本参与小微企业融资提出规范现存民间金融机构行为、新建民间金融 机构，以法律、法规规范民间资本行为，细化准入条件，完善征信体系等可行性建议， 更好的促进民间资本参与小微企业融资市场，为小微企业构建顺畅的融资通道，进而加 快我国小微企业的发展，为我国整体产业结构调整做出更大的贡献。 关键词 小微企业 民间资本 监管体系 Abstract Abstract A large number of small and micro enterprises in China, according to the statistics, the number of small and micro enterprises accounted about 87% of the total Chinese enterprises, they solved the problem of employment for nearly 70 percent of corporate officers. As an active participant of the Chinese economic system, small and micro enterprises are playing a huge role. However, the survival environment of small and micro enterprises is not optimistic，the most important problem is that the small and micro enterprises lack of smooth and effective financing channels, this phenomenon caused issues as the survival of small and micro enterprises short cycle, low operating efficiency and so on. At the same time, after thirty years’ of reform and opening up, Chinese folk gathered a large amount of capital, most of the private capital investment due to lack of a reasonable way are in a dormant or semi-dormant，this caused the waste of a lot of capital. So, how to make more private capital to participate in the financing of small and micro enterprises has become a major issue. If we can make more private capital participate in the financing of small and micro enterprises reasonable and safe, one hand, we