基于关系型贷款的中小企业融资问题研究-马腾飞精选.doc

、河南财经学院成功学院本科生毕业论文 基于关系型贷款的中小企业融资问题研究 院系名称 管理学系 姓　　名 学　　号 专　　业 指导教师 2010年月Abstract Small and medium-sized enterprises (SME) play an important role in producing GNP, providing employment, the innovation of science and technology and industrial serialization and so on, depending on its characteristic of flexible management, spreading widely and knowing the demand of the market well They have been an important part of Chinese national economy and become an important force of guaranteeing the development of national economy healthily, stabily and rapidly. However, in China, because of SME’s own characteristic and reason of the information asymmetry, the development of small and medium-sized enterprise faces the difficult puzzlement of financing, and this restricts the function and development of SME seriously This test combines reality of our country economic development and the characteristics of SME in order to analyze that relationship lending is effective and necessary to defeat the difficulty of SME financing of our country in a brand-new scope and framework. The thesis uses various methods of analysis, such as a combination of theoretical analysis and empirical analysis, micro and macro analysis combined analysis, the combination of cost and benefit analysis. It goes into analyzing the necessity, feasibility, existing problems and reasons of SME financing in our country. Through analyzing, we draw the conclusion: consummate relationship lending mode really can become a new outlet for SME to conquer the difficulty of financing during the transition period of our country economic. It also indicates we should deepen some reforms of corresponding system to ensure the effective implementation of relationship lending system, in the hope of improving the situation of SME financing. Key words：relationship lending，finance ，information asymmetric 目　录 1引言 1 1.1研究背景和意义 1 1.2 文献综述 1 1.3研究内容和方法 2 2关系型贷款和中小企业融资的相关理论 3 2.1中小企业融资形式 3 2.2 关系型贷款在中小企业融资的理论基础 3 3关系型贷款对与中小企业的相