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利率市場化下民營企業信貸行為研究

時間:2019-04-19 20:20來源:畢業論文
介紹了研究的背景和意義,并進行相關概念的界定,然后總結了利率市場化改革的進程和具體分析了對民企貸款的影響。緊接著從貸款方式角度結合利率市場化對民企貸款現狀進行分析

摘要:我國改革開放以來,經過長時間的摸索,從十四屆三中全會通過了《關于發展我國社會主義市場經濟的若干問題》到2013年7月中國人民銀行宣布取消對貸款和票據的利率管制,在這21年間我國金融市場在日漸寬松的利率管制下發展迅速。我國民營企業作為我國經濟的重要載體,在國民經濟中占有很大比重,然而我國民企始終面臨著融資難問題,利率市場化可能對民企融資難問題提供新的解決思路,所以本文對利率市場化下民營企業信貸行為進行研究。本文首先介紹了研究的背景和意義,并進行相關概念的界定,然后總結了利率市場化改革的進程和具體分析了對民企貸款的影響。緊接著從貸款方式角度結合利率市場化對民企貸款現狀進行分析,之后對兩個民企融資案例進行具體分析。最后提出民企在利率市場化條件下想要改善融資的具體措施。34641
畢業論文關鍵詞:民營企業  利率市場化 信貸融資  信貸行為 
Research interest rate market behavior of private enterprise credit
Abstract: Since China's reform and opening up, after a long period of exploration, from fourteen Third Plenary Session adopted the "number of issues concerning the development of China's socialist market economy," to the July 2013 People's Bank of China announced the cancellation of loans and bills of interest rate controls, China's financial market is growing rapidly in the past 20 years in an increasingly accommodative interest rates under control. China's private enterprises as an important carrier of China's economy, occupies a large proportion in the national economy, but of private enterprises has always faced the problem of financing, interest rate market may be the problem of financing for private enterprises to provide new idea, this article on the interest rate market under private enterprise credit behavior research. This paper describes the background and significance of the definition and related concepts, then summed up the impact of relevant policies and specific interest rate market for private loans. Then combine loan interest rate market from the perspective of the current situation analysis of private loans, analyzed together with the case. Finally, specific measures in the interest rate market-oriented private enterprises want to improve financing conditions.

源¥自%六^^維*論-文+網=www.aftnzs.live


Key Words:private enterprise   credit financing   credit interest rate market behavior
目錄
一、引言    1
(一)研究背景    1
(二)研究意義    1
(三)研究方法    1
(四)相關概念界定    2
1.利率市場化    2
2.民營企業    2
3.信貸行為    2
二、我國的利率市場化    2
(一)利率非市場化    2
(二)利率市場化的意義    4
(三)我國利率市場化的改革進程    4
(四)利率改革對民營企業信貸的影響    6
1.存款利率改革    6
2.貸款利率利率改革    7
三、我國利率市場化下民營企業信貸融資問題    9
(一)利率市場化前后民營企業信貸融資方式對比    9
1.現有利率市場化程度下信貸融資方式    9
2.利率市場化完成后信貸融資方式    9
(二)利率市場化前后民營企業信貸行為對比    9
(三)利率市場下民營企業信貸融資問題分析    10
1.利率市場化下民營企業信貸現狀概述    10
2.利率市場化下民營企業貸款難原因分析    11 利率市場化下民營企業信貸行為研究:http://www.aftnzs.live/jingji/20190419/32228.html
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