从行为金融学角度探究中小企业融资问题

从行为金融学角度探究中小企业融资问题
摘 要

中小企业在促进一国经济增长、推动技术创新、带动区域经济发展、缓解就业压力等方面起着至关重要的作用，这一观点已成为世界性共识，然而，在其发展过程中所面临的融资问题亦出现跨地域的一致性。尽管我国早已开始关注这一问题，但由于各种因素的制约，长期以来中小企业的发展也没有突破原有瓶颈。本课题首先阐述了目前我国中小企业的融资现状，尤其是在国际金融危机的大背景下，我国经济进入转型期中小企业的融资问题，其次进行了有关中小企业融资理论的回顾，进而试图在行为金融角度下对出现这些问题的原因进行剖析，最后结合一部分国际经验提出一些相应的对策。
【关键词】行为金融  中小企业  融资
From the perspective of behavioral finance to explore financing for SMEs

Abstract

SMEs play a vital role in the promotion of a country's economic growth, technological innovation, regional economic development, and alleviate employment pressures, etc. These points of view have become a worldwide consensus; however, there arise a consistency of cross-boundary issue in the process of SMEs’ development when they are facing the financing problem. While China has already started to pay attention to this problem, but due to various factors, the development of SMEs has been unable to overcome the existing bottlenecks for a long time. The subject first described the current financing situation of SMEs in China, especially in the international context of the financial crisis, China's economy has entered a transition period of the financing problems of SMEs, followed by the theory about the review of SME financing, and then trying to analyze the reasons for this problem under the view of behavioral finance. Ultimately, giving some countermeasures combine with part of international experience.
【Key words】Behavioral finance   SMEs   financing

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