后危机时代安徽省中小企业融资的金融支持研究.pdfVIP

后危机时代安徽省中小企业融资的金融支持研究 摘 要 此次全球性金融危机给安徽省的中小企业带来严重冲击，使其本来就面临 的融资难问题雪上加霜。尽管自2009 年二季度以来，全球已经由金融危机的恐 慌过渡到“后危机时代”，安徽省的中小企业生产经营也出现了回升态势，但 其发展仍然面临着众多困难，特别是资金短缺、融资难问题还没有得到根本性 解决。鉴于安徽省中小企业以银行贷款为最主要的融资渠道，因此，分析安徽 省的中小企业的融资难问题，关键是分析其贷款难问题。 论文立足于加强中国人民银行对安徽省中小企业融资的金融支持这个出发 点，首先对国内外关于中小企业融资的理论研究、实践经验总结和相关政策进 行梳理，接着系统分析了后危机时代安徽省中小企业的融资状况，进而得出企 业自身问题、银行信贷管理问题、银企信息不对称问题、融资渠道狭窄和融资 担保问题四个方面是造成安徽省中小企业融资难的主要原因，最后从加强银行 信贷监管，解决银企信息不对称，拓宽企业融资渠道和完善融资担保体系三个 方面，探讨央行加强安徽省中小企业融资的相关金融支持政策，以期缓解我省 中小企业融资难问题，具有较强的现实参考意义。 关键词：后危机时代 安徽省中小企业融资 金融支持 Analysis of Financial Support for SMEs Financing of Anhui Province in Post-crisis Era ABSTRACT The global financial crisis has had a serious impact on small and medium enterprises (SMEs) in Anhui Province, and these enterprises now face more serious problems obtaining financing than before. Since the second quarter of 2009 the panic of the global financial crisis has faded and we are now in the Post-crisis Era. Although SMEs production and operations in Anhui Province are picking up, their financing problems remain unresolved as shortages of funds hinder their further development. Bank loans are the most important financing channels to SMEs in Anhui Province, therefore, to understand the problem of financing SMEs, it is crucial to analyze their problem of getting loans. This paper’s starting point based on the strengthening of the Peoples Bank of Chinas financial support for Anhui SMEs financing. Firstly, introduced the theory of international financing for SMEs research, practice, lessons learned and the relevant policies; Secondly, it addressed a sy stems analysis of the post-crisis era of Anhui Province’s financing situation for SME