摘要
目前，我国经济快速发展，中小企业在我国经济发展中发挥着重要的作
用。而在我国经济步入新常态的过程中，中小企业融资渠道狭窄、融资难、融
资贵的问题变得越来越尖锐，每一个发展中的中小企业都在面临着这样的窘
境。中小企业破产倒闭问题给我国经济社会带来一系列负面影响,比如就业难、
国家地方财政收入降低、企业主跑路、银行坏账增加、社会稳定受到影响等

对此，本文在正确理解政府与市场的关系基础上，引入新的地方金融创新理
论，以宁波市江北区中小企业转贷基金为对象，采取典型调查与案例分析相结
合的方法，通过分析转贷基金产生发展的历程及其背景，寻求内在的运行原理
和规律，视图通过这种方法寻找到中小企业融资难这一实际问题的破解途径

本文的研究内容包括：一是通过文献分析的方法系统地梳理了融资难的成
因、背景及其解决办法的相关研究，为研究中小企业转贷基金确定基点；二是
通过案例分析剖析了宁波市江北区政府设立的江北区转贷基金的内在原理、运
行规律及启示，试图为江北区中小企业规范化管理提供支持，同时还为其他地
区，尤其是周边地区、同类地区的转贷基金发展提供借鉴作用，推动中小企业
转贷基金的发展，借以缓解中小企业融资困境；三是从江北区这个试点中得到
印证，总结规律，完善政策，用以丰富我国中小企业融资理论,为我国中小企业
的融资难问题贡献力量

本文通过对江北区政府设立的中小企业转贷基金产生的背景、运行原理进行
系统的案例分析，找到转贷基金的内在规律，为江北区中小企业规范化管理提
供支持，同时还为其他地区，尤其是周边地区、同类地区的转贷基金发展提供
借鉴作用，为中小企业融资提供一种理论创新

关键词：中小企业， 转贷基金， 融资II
Operation Principle and Policy Design for Lending Fund of
SMEs
--Based on Case Analysis of Jiangbei District of Ningbo City
Abstract
Presently with the rapid development of China&39;s economy, SEMs plays an important role in
this aspect. However, in the pr ocess of China’s economy entering into the new normal state, the
problems that financing channels of SEMs are narrow, it it dif ficult for them to finance and the
financing is costly have becom e more and more prominent and SEMs are generally confronting
with the financing constraints. The bankruptcy issues of SEMs will have negative effects on
China&39;s economy and society, such as employment being difficult, the local financial revenue being
decreased, corporate owners fleeing, bad debts of the bank being incr eased and the social stability
being affected, etc.
Based on the correct understanding of the relationship betw een the government and the
market, this paper introduces the new local financial innovation theory. The lending fund of SEMs
in Jiangbei District, Ningbo as the object to seek the inherent operation principle and law by taking
the method that the investigation and analysis of the typical cases are combined and by analyzing
the history and background of lending fund. Through this method, it intends to find the solution to
the problem that financing of SEMs is difficult.
The research content of this p aper includes: firstly, it systematically reviews the relevant
research background, causes and solu tions of financing through the literature analysis method to
determine the basis for research on lending fund of SMEs; secondly, through the case analysis, it
analyzes the internal principle, operation rules and enlightenment of Jiangbei District lending fund
set up by the government in Jiangbei District, Ningbo. Moreover, it intends to provide support for
standardized management of SEMs of Jiangbei District and provide som e reference for lending
fund development in other areas, surrounding areas and areas of this category. In this way, it is able
to promote the development of lending fund for SEMs and ease the financing difficulties of SEMs;
thirdly, it intends to obtain verifi cation, sum up the rules, im prove policies from the pilot area of
Jiangbei District and devote to enriching the th eory of financing and solving the problem of
difficult financing for SEMs.
The paper finds out the inherent law of lending funds by carrying ou t systematical case
analysis of the background, the operating principle of lending fund for SEMs set up by theIII
government in Jiangbei District, which will provide support fo r standardized management of
SEMs of Jiangbei District and provide some reference for lending fund development in other areas,
surrounding areas and areas of this category.Finally, it also provides a theo retical innovation for
financing of SEMs.
Keywords: SEMs, Lending fund, Financing目 录
引 言1
1 绪论2
1.1 选题的背景与意义..2
1.1.1 选题的背景..........2
1.1.1.1 中小企业的重要作用..........2
1.1.1.2 中小企业融资约束所带来的负面影响..... 2
1.1.1.3 破解中小企业融资约束是世界难题.........2
1.1.1.4 政府机构在破解中小企业融资难方面所做的探索........4
1.1.2 选题的意义..........5
1.1.2.1 现实意义....... 5
1.1.2.2 理论意义....... 5
1.2 研究目标与思路.......5
1.2.1 研究目标5
1.2.2 研究思路..6
1.3 研究内容与方法........8
1.3.1 研究内容..8
1.3.2 研究方法..8
1.4 论文的创新与展望....9
1.4.1 论文的创新点.....9
1.4.2 论文的展望..........9
2 理论回顾与文献综述.....11
2.1 国外中小企业融资的理论回顾.....11
2.2 我国中小企业融资的研究进展综述.........12
2.3 中小企业转贷基金的相关研究.....14
3 中小企业转贷基金运行原理的理论分析.......16
3.1 中小企业转贷基金的内涵及其发展历程..
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