典當(dāng)融資對(duì)緩解我國中小企業(yè)融資約束的研究.pdf

1、復(fù)旦大學(xué)碩士學(xué)位論文典當(dāng)融資對(duì)緩解我國中小企業(yè)融資約束的研究姓名：張黎申請(qǐng)學(xué)位級(jí)別：碩士專業(yè)：世界經(jīng)濟(jì)指導(dǎo)教師：唐朱昌20090420AbstractSmallandmedium—sizedenterprises(SMEs)developquicklysincethereformandopeningupofChinaSMEsbegintoplayamoreandmoreimportantroleinthenationaleconomyi

2、ndifferentwaysAccordingtothestatisticsofNationalDevelopmentandReformCommissionthetotalvalueoffinalproductandservicecreatedbySMEsaccountsforabout60％ofGDPinourcountryTheirproductsaccountfor60％oftotalsalesliminOursocietyThe

3、yalsocontributemorethanonehalfofthetotalamountoftaxationMoreovertheyprovideabout80％oftheemploymentpostsinOurcountryHoweverthefinancingproblemisabigrestrictiontothedevelopmentofSMEsThisproblemexistsmoreorlessinmanycountri

4、esandregions，butitismuchmoreobviousinChinaSMEscanobtainalittleamountofloanfrombanks，whichonlyaccountsforlessthan30％ofthetotalslimThedissertationtriestodiscussthefeasibilitythatpawningCallhelprelievethefinancingproblemofS

5、MEsThroughtheanalysisoftheadvantagesofpawning，thisdissertationalsoprovidessomecountermeasuresandsuggestionsforthepawningindustrytodevelopanddeepentheservicesforSMEsThedissertationconsistsoffourChapters，whichareorganizeda

6、sfollows：1SMEsplayamoreandmoreimportantroleinthenationaleconomyindifferentwaysButthefinancingproblemisanastypuzzlewhichalwaysrestrictsthedevelopmentofSMEsBasedonthefeaturesoftheoperationandfinancingofSMEs，Chapter1believe

7、sthatpawningcallbeusedasanewfinancingchannelforSMEsThisChaptergivesabriefreviewofthestudyaboutpawningbothinChinaandinothercountries2Chapter2discussesthefeasibilityofSMEs’financingthroughpawningintermsofdifferenteconomict

8、heoriesFirstofall，Chapter2analyzesthedifferentfinancingneedsofSMEsindifferentdevelopmentstagesbasedontheEnterpriseLifeCycleTheoryandbelievesthatpawningdosatisfiessomefinancingneedsofSMEsSecond，theCreditRationingTheoryexp