科技型小微企業(yè)拓寬融資渠道研究

22300字
原創(chuàng)畢業(yè)論文，僅在本站獨(dú)家提交，大家放心使用

摘要：科技型小微企業(yè)因?yàn)槠浼夹g(shù)含量高、市場(chǎng)不確定性大、風(fēng)險(xiǎn)高等方面的突出特點(diǎn)，資金短缺現(xiàn)象異常突出，如何拓寬融資渠道，成為當(dāng)下學(xué)者們亟需解決的問題。本文通過對(duì)鎮(zhèn)江科技園中的小微企業(yè)進(jìn)行問卷調(diào)查研究，并結(jié)合國內(nèi)外科技型小微企業(yè)拓寬融資渠道的經(jīng)驗(yàn)，總結(jié)了現(xiàn)階段江蘇科技型小微企業(yè)的融資現(xiàn)狀，并從企業(yè)自身制約因素、政府部門政策支持因素、與金融機(jī)構(gòu)合作因素三個(gè)方面分析了小微企業(yè)在融資過程中所存在的問題，進(jìn)而針對(duì)這些問題和現(xiàn)狀提出了相關(guān)對(duì)策措施及建議。
在研究過程中，本文設(shè)計(jì)了“江蘇科技型小微企業(yè)融資現(xiàn)狀調(diào)查問卷”，并對(duì)鎮(zhèn)江科技園中的科技型小微企業(yè)進(jìn)行了問卷調(diào)查。問卷主要請(qǐng)科技園中各企業(yè)財(cái)務(wù)相關(guān)負(fù)責(zé)人填寫，共發(fā)放并收回問卷41份，剔除其中填寫不規(guī)范、不完整的問卷后，獲得有效問卷33份。通過對(duì)收回有效問卷數(shù)據(jù)的統(tǒng)計(jì)和分析，本文從企業(yè)自身積極拓展融資渠道、加大政府的政策扶持力度、深化銀企間合作關(guān)系三個(gè)方面分別提出了相應(yīng)的對(duì)策，挖掘能夠幫助科技型小微企業(yè)拓寬融資渠道的新途徑。
關(guān)鍵詞：科技型小微企業(yè) 調(diào)查問卷 融資渠道

Research on Widening Financing Channels of Technology-based Small and Micro Enterprises in Jiangsu Province
——Take Small and Micro Enterprises in Zhenjiang
Technology Incubator as an Example
Abstract：Because of technology-based small and micro enterprises’ prominent features of high technology content, market uncertainty range, and high risk, funding shortages is a prominent serious problem, so how to broaden the financing channels becomes an urgent problem waiting for scholars to solve. In this paper, by connecting survey research of technology-based small and micro enterprises in Zhenjiang Technology Incubator with experiences of widen financing channels for technology-based small and micro enterprises at home and abroad, summarize technology-based small and micro enterprises’ status of the financing stage in Jiangsu province. Questions were raised from three aspects of the enterprises’ own constraints, government policies supporting factors, and co-factor of financial institutions, and then relevant countermeasures and suggestions were put forward to address these issues.
During the study, the author designed the “Questionnaire of Technology-based Small and Micro Enterprises’ Financing Status in Jiangsu Province", and conduct a survey on small and micro enterprises in Zhenjiang Technology Incubator. The questionnaires were mainly completed by each enterprise’s financial officer. There is a total of 41 questionnaires were distributed and to recover, after the removal of non-standard and incomplete questionnaires, obtained 33 valid questionnaires. After statistical analysis of valid questionnaires, the author put forward corresponding countermeasures from the enterprises themselves active expand financing channels, increasing efforts to support the government’s policy, deepen partnership between the banks, mining new ways to broaden the financing channels for technology-based small and micro enterprises.
Key words：Technology-based small and micro enterprises; questionnaire; financing channels

目 錄
引 言 1
第一章 緒 論 2
1.1研究的背景和意義 2
1.2國內(nèi)外研究綜述 2
1.2.1國外研究綜述 2
1.2.2國內(nèi)研究綜述 3
1.3本文的研究方法和過程 4
1.3.1本文的研究方法 4
1.3.2本文的研究過程 4
第二章 科技型小微企業(yè)融資的相關(guān)理論闡述 5
2.1小微企業(yè)的界定 6
2.1.1小微企業(yè)的定義 6
2.1.2小微企業(yè)融資的含義 6
2.2科技型小微企業(yè)的界定 8
2.2.1科技型企業(yè)的界定 8
2.2.2科技型小微企業(yè)的界定 8
2.2.3科技型小微企業(yè)的特點(diǎn) 8
2.3企業(yè)融資理論 9
2.3.1融資結(jié)構(gòu)理論 9
2.3.2企業(yè)融資渠道理論 11
第三章 國內(nèi)外科技型小微企業(yè)融資經(jīng)驗(yàn)借鑒 13
3.1國外科技型小微企業(yè)融資經(jīng)驗(yàn) 13
3.1.1國外科技型小微企業(yè)發(fā)展現(xiàn)狀 13
3.1.2國外科技型小微企業(yè)融資渠道分析 13
3.2國內(nèi)科技型小微企業(yè)融資經(jīng)驗(yàn) 14
3.2.1國內(nèi)科技型小微企業(yè)融資現(xiàn)狀 14
3.2.2國內(nèi)科技型小微企業(yè)融資經(jīng)驗(yàn)借鑒 15
第四章 科技型小微企業(yè)融資渠道調(diào)查——以鎮(zhèn)江科技園小微企業(yè)為例 17
4.1融資渠道問卷調(diào)查 17
4.1.1問卷設(shè)計(jì) 17
4.1.2問卷調(diào)查及回收 17
4.2影響企業(yè)融資因素分析 18
4.2.1科技型小微企業(yè)綜合特征分析 18
4.2.2企業(yè)自身因素分析 19
4.2.3政府的政策支持因素分析 20
4.2.4與金融機(jī)構(gòu)合作因素分析 21
第五章 科技型小微企業(yè)融資渠道拓寬對(duì)策 22
5.1企業(yè)積極拓展融資渠道 22
5.1.1積極探索創(chuàng)新融資工具 22
5.1.2企業(yè)間結(jié)盟增信融資 22
5.2加大政府的政策扶持力度 23
5.2.1建立健全相關(guān)法律法規(guī) 23
5.2.2加大財(cái)政政策支持力度 23
5.2.3建立完善融資中介服務(wù)平臺(tái) 23
5.3深化銀企間合作關(guān)系 24
5.3.1加強(qiáng)銀企間信息交流 24
5.3.2適當(dāng)放寬融資門檻 24
5.3.3成立專業(yè)部門簡(jiǎn)化融資手續(xù) 24
第六章 結(jié) 論 26
6.1主要研究結(jié)論 26
6.2本文的不足與展望 26
致 謝 27
參考文獻(xiàn) 28
附錄1 30