摘 要

本文首先对中小企业融资的内容和背景进行了阐述，强调了中小企业在国民经济中的地位，明确了研究中小企业融资问题，对中小企业发展和国民经济进步有实际意义。然后本文介绍了民间金融从“当铺”、“合会”到“信用社”的历史发展和完善过程，并且从放款严格程度、贷款偏好、市场机制和便利性几个角度与正规金融做出了比较，明确民间金融的特点和优点，为民间金融支持中小企业融资作理论上的铺垫。本文再从温州统计网、金融办等网站获取中小企业产值及银行贷款等相关数据，然后通过对中小企业产值与所有企业产值的比例估算出中小企业应当获取的贷款额的比例，与正规金融渠道中中小企业贷款所占比例作出比较，对其缺口进行定量分析评估。然后使用Eviews软件对民间金融规模和融资缺口两个变量进行回归分析并进行检验，得出民间金融和中小企业融资相互促进的结论。结合民间金融的特点和中小企业融资缺口，对民间金融为具有良好的发展前景的中小企业提供资金进行可行性分析，最后对民间金融支持中小企业融资的相关制度和形式提出建议和创新。

关键词：民间金融；中小企业融资；融资缺口；金融创新

Abstract

Firstly, this paper expounds the content and background of SMEs financing, emphasizes the important position of SMEs in the national economy, and makes clear the research on SMEs financing, which is of practical significance to the development of SMEs and the progress of national economy. Then, this paper introduces the historical development and improvement process of private finance from pawnshop, mutual-loan club to credit union, and compares it with formal finance from the perspectives of loan strictness, loan preference, market mechanism and convenience, so as to make clear the characteristics and advantages of private finance and lay a theoretical foundation for private finance to support the financing of small and medium-sized enterprises. This paper obtains the data of SMEs' output value and bank loans from Wenzhou statistical network, financial office and other websites, then estimates the proportion of SMEs' output value to all enterprises' output value, compares it with the proportion of SMEs' loans in formal financial channels, and makes quantitative analysis and evaluation of its gap. Then use Eviews software to regression analysis and test the two variables of private finance scale and financing gap, and draw the conclusion that private finance and SME financing promote each other. Combined with the characteristics of private finance and the financing gap of small and medium-sized enterprises, this paper analyzes the feasibility of private finance to provide financing for small and medium-sized enterprises with good development prospects, and finally puts forward suggestions and innovations on the relevant systems and forms of private finance to support small and medium-sized enterprises financing

Key Words：Private finance; SME financing; financing gap; financial innovation

目 录

第1章 绪论 1

1.1 研究的背景和意义 1

1.1.1 研究的背景 1

1.1.2 研究的意义 1

1.2 国内外文献综述 1

第2章 民间金融对中小企业融资的作用 3

2.1 民间金融发展 3

2.2 民间金融的作用 5

2.2.1 减轻担保 5

2.2.2 提供偏好 6

2.2.3 完善市场机制 6

2.2.4 提供便利性 7

第3章 民间金融与中小企业融资适配性 8

3.1中小企业融资缺口分析 8

3.1.1 温州生产总值中中小企业产值比例 9

3.1.2 温州银行贷款中中小企业贷款比例 9

3.1.3 融资缺口计算 10

3.2 民间金融对中小企业融资作用分析 11

3.2.1 平稳性检验 11

3.2.2 协整分析 13

3.2.3 格兰杰因果关系检验 15

3.2.4 结果分析 16

第4章 减小融资缺口的对策与创新 17

4.1 民间金融对中小企业融资可行性分析 17

4.2 减小中小企业融资缺口对策 17

4.2.1 企业自身角度 17

4.2.2 民间金融角度 18

第5章 总结与展望 20

5.1 总结 20

5.2 展望 20

参考文献 21

致谢 22

第一章 绪论

1.1 研究的背景和意义