浅议中小企业关系型融资

关系型融资在缓解中小企业融资困难上发挥着重要作用。本文首先阐述关系型贷款理论,之后简述国外典型关系型融资模式以及我国中小企业关系型融资的现状及存在的一些问题,并在此基础上为完善我国中小企业关系型融资提出了一些建议。     

关系型融资、总部经济与中小企业融资文献综述

银企间的信息不对称是引发中小企业融资约束的重要因素。关系型融资作为中小企业融资的主要手段,是通过在银企间建立长期的、密切的交易关系,发挥降低信息不对称的治理机制,改善融资约束。同时,关系型融资会增加双方的风险成本。总部经济的发展,促进当地金融市场化,增加了信息的透明度和流通性,缓解了银企之间的信息不对称。通过梳理国内外关于关系型融资影响中小企业融资约束、总部经济影响融资约束的相关文献,指出未来研究方向。     

关系型贷款对中小企业融资的影响机制研究——基于社会资本视角

本文基于社会资本理论,从信息和信用两个方面对关系型贷款进行了讨论,并建立了一个理论模型,认为关系型贷款是嵌入于社会网络的经济行为,有效地在企业与银行间传递了私有信息,通过信用机制缓解了中小企业在融资过程中的信息不对称和信息不透明问题,在长期关系中有利于中小企业融资。     

关系型借贷和中小企业融资

中小企业是地区经济发展的动力,但由于融资困难,中小企业的发展受到严重束缚。本文根据国内外相关理论,说明了关系型借贷对于解决中小企业融资困难的作用,以及小银行在关系型借贷上的优势;对我国发展关系型借贷进行了可行性分析并提出了政策建议。     

中小企业融资与关系型贷款

中小企业在经济中占有相当重要的地位,但是中小企业融资难是一个世界性的问题。国外中小企业普遍利用“关系型借贷”作为其从银行获得融资支持的主要手段,国内学者对“关系型借贷”领域也有所涉足。由于我国的银行体系高度集中,缺乏适合为中小企业提供融资服务的中小银行,我国中小企业融资困难就显得特别突出。本文分析了关系型贷款的特点与优势,就我国具体情况提出若干建议。     

中小企业融资中关系型借贷的作用机制实证分析

在金融危机的冲击下,特别是以出口导向型为主的中小企业受国际贸易的连带影响,各国中小企业的经营效益均呈现一定幅度的下降,中小企业的融资问题再次引起人们的关注。关系型借贷对中小企业融资作用机制实证分析,主要通过分析我国中小企业的融资现状和银行存贷差问题,认识到关系型借贷作为两者间的纽带发挥了不可替代的作用。并通过实证分析得出关系型借贷在我国的表现并不显著,由此分析影响我国中小企业融资的约束机制和发展关系型借贷的必要性。关系型借贷在我国具有可行性,应从我国的国情出发不断完善关系型借贷的作用机制。     

中小企业关系型融资现状与成本收益分析

中小企业自身资金有限,而向银行贷款又难于大企业。于是,中小企业关系型融资就成为一种选择。从中小企业及关系型融资的定义入手,阐述中小企业在关系型融资中所遇到的问题,并就中小企业融资的成本与收益进行分析。     

关系型融资和我国中小企业融资

关系型融资是上世纪90年代开始引起人们重视的一种理论,近年来已经成为研究金融中介理论的热点问题。本文概述了关系型融资的概念、特征、优势及其在运用中可能产生的问题。并且,以我国中小企业融资为切入点,结合我国目前的融资环境和中小银行的发展,分析了关系型融资在我国的发展现状及进一步发展的可行性。     

关系型借贷:中小企业融资的新思路

与大企业相比,中小企业取得银行贷款的难度更大,这一直是困扰中小企业发展的难题。本文结合中小金融机构与中小企业在我国发展的特殊状况,依据信息不对称理论以及关系型借贷理论,提出要重点发展专门与中小企业融资相适应的中小金融机构来切实解决中小企业融资困境。     

关系型贷款和小银行优势论述评

关系型贷款理论和小银行优势论主要是针对中小企业融资问题而言的，本文通过对关系型贷款理论和小银行优势论的系统分析，解读了关系型贷款为何能降低银行向中小企业贷款过程中的交易费用，理清了中小银行优势论的理论内涵，希望能为我国缓解较为严重的中小企业贷款难问题提供理论上和政策上的启发。     

经管类专业运筹学课程教学模式的探索

运筹学是高等院校经济管理类专业一门实践性很强的专业基础课,本文在阐述运筹学教学重要意义的基础上,分析了我校经管类专业运筹学教学过程中存在的主要问题,并从培养学生应用能力的角度出发,根据作者多年的教学经验,结合经管类学生的特点,探讨了通过课堂教学、实践教学和课外学习三个方面的改革,来改善运筹学的教学效果,使学生能够更好的掌握运筹学的思想,提高使用运筹学解决实际管理决策问题的能力.     

现代农业环境问题的本质及其控制与管理的经济学探讨

随着农业对环境污染的加剧和人们对此问题的日益关注,农业污染的控制与管理是近年来及今后国内外环境经济学和环境管理学研究的一个活跃领域。农业经济理性的偏颇是现代农业环境问题的根源及实质,农业污染不同于工业污染,在设计农业污染控制政策措施上要面临诸多约束,使得对其控制和管理难度加大。对农业污染物征税和对农用化学物征税以及对有利于环境保护的耕作技术和环保设施等予以补贴是控制与管理农业环境污染的主要手段和设计思路。     

Reorienting the Business School Agenda: The Case for Relevance,Rigor, and Righteousness

This article contributes to the current debate regarding management education and research. It frames the current business school critique as a paradox regarding the arguments for ‘self-interest’ versus ‘altruism’ as human motives. Based on this, a typology of management with four representative types labeled: unguided, altruistic, egoistic, and righteous is developed. It is proposed that the path to the future of management education and research might be found by relegitimizing the ‘altruistic’ spirit of the classics of the great Axial Age (900-200 BCE) and marrying those ideas with the self-interest ideal of mainstream management theories based on economics. By advocating this, a business school agenda that is simultaneously rigorous, relevant, and righteous is promoted.     

Unmastered risks: From crisis to catastrophe: An economic and management insight

In contrast to sociology, economics, and above all, business economics has not yet discovered disaster management as a research topic even though this subject affects many areas of economics due to its interdisciplinary character. The enormous economic losses suffered by private parties, businesses and public institutions in crisis events, the huge amounts of money which are spent in disaster prevention, as well as the challenges that providing emergency management and disaster control present, contain many issues and have an increasing social and economic relevance. This article takes a close look at the concept of disaster from an economic and management point of view to mitigate the impact on human beings and environment. Based on the rational choice approach the study analyzes the state of preparedness that is mainly responsible for good or poor disaster prevention and presents a theoretical framework for a comprehensive disaster management including examples of practical applications. The conclusion outlines several important areas of future research in business economics.     

企业战略管理的信息范式

传统的企业战略管理理论是基于安德鲁斯的把战略管理过程分为制订和实施的两阶段模型,沿着企业外部环境和企业内部因素两个维度展开的广泛研究,形成战略管理各理论流派。结合博弈论与信息经济学理论提出一种新战略管理理论范式,使得当前各主要理论被整合在这一范式之下,使战略管理理论沿着科学化方向发展成为可能。     

行为经济学对经济人假设的重新审视

经济人假设是经济学理论重要的假设之一,以此为基础构建起从古典经济学到新古典经济学的理论体系。但其与现实的脱离,导致了经济学理论对现实经济解释力的下降。行为经济学将心理学分析法与经济学研究结合起来,依赖有关人的判断和决策的分析来了解经济主体行为,对经济人假设提出了挑战,并对其加以完善。其重要意义在于提高了经济学对现实的解释力、给予经济行为主体实际决策过程以良好的描述,同时为管理学、会计学、市场营销、金融学等与经济学相关的领域提供了新的研究途径。     

税收监管的会计管理新模式探析——基于临安市会计管理的考察

会计管理模式的选择,直接关系到会计信息的质量和会计管理工作的效果。本文在评析现有会计管理模式的基础上,根据临安市会计管理的相关实践,提出了税收监管的会计管理新模式,剖析了该模式的主要特点,从法学、管理学、经济学视角论证了其可行性。     

Home economics programmes in Oyo state secondary schools: a survey

The purpose of this study was to identify the curricula emphases in home economics in Oyo state secondary schools and to describe selected aspects of teaching and the teacher. Sixty-two home economics teachers in Oyo state responded to a mailed survey indicating the degree of emphasis given to 50 topics in five subject-matter areas of home economics: (i) clothing and textiles, (ii) foods and nutrition, (iii) home management and family economics, (iv) housing, and (v) human development and the family. The most taught subject-matter areas (in order) are foods and nutrition, home management and family economics and clothing and textiles while human development and the family and housing were the least taught subject-matter areas. A similar response was given for teacher's reported level of competence and subject-matter preference. Scores on the topics within each subject-matter area, however, indicated that all the five subject-matter areas were moderately emphasized in the curriculum. These three philosophical views of home economics exist concurrently in Oyo state secondary schools: (i) home economics as home-making education, (ii) home economics as household management, and (iii) home economics as cooking and sewing. Suggestions for improving and strengthening the current home economics programmes are discussed. This research was conducted during 1987–1988 in the Faculty of Education, University of British Columbia, Vancouver, Canada.     

Bridging the Digital Divide in Malaysia: An Empirical Analysis of Technological Transformation and Implications for E-development

This article uses research from the fields of international business, economics and industrial relations to investigate how the context of multinational corporations affects the bargaining power of shop-floor workers and senior management. It is set in the context of the Asia Pacific region. Senior executives negotiate their salaries from positions of strength, especially when their subsidiaries fulfil important strategic roles. In contrast, shop-floor workers can face threats to ‘move the plant to Asia’ when negotiating wages. These dissimilar negotiating positions provide the context in which wages are negotiated in the region. It is anticipated that the study will assist managers of multinational corporations and their employees’ representatives as they approach wage negotiations.     

Economics and Management Theory: New Developments in France

Management theory, initially mostly concerned with establishing a set of normative principles aiming to train practicing managers, has developed a substantial body of theory and several original strands of research. It has traditionally drawn its inspiration largely from economic theory, but has integrated elements of sociology, law and social psychology, among other disciplines. In France, a set of relevant recent and innovative approaches come from recent developments in economic theory gathered generally under the label of 'economics of conventions. 'The paper attempts to characterize the main features of the'economics of conventions' and the ways in which it is relevant and provides fruitful new approaches to management theory.