نقش بانکها در تأمین مالی بنگاههای اقتصادی (مقاله مروری)
کلمات کلیدی:
تأمین مالی, اعطای تسهیلات, بنگاههای اقتصادی, بنگاههای کوچک و متوسطچکیده
بانکها و مؤسسات مالی و اعتباری به دلایل حیاتی از جمله تبدیل پسانداز به سرمایهگذاری، مدیریت ریسک، کاهش هزینههای معاملات، تأمین مالی بلندمدت، توسعه بازارهای مالی و پشتیبانی از نوآوری نقش کلیدی در رشد اقتصادی، ایجاد اشتغال و توسعهبخش خصوصی ایفا میکنند. با تأمین مالی بنگاههای اقتصادی از طریق بانکها به چرخه تولید و سرمایهگذاری سرعت بخشیده و به بهبود سطح زندگی جامعه کمک مینمایند. این تحقیق مروری به پژوهشهای انجامگرفته در مورد انواع روشهای تأمین مالی بنگاههای اقتصادی کوچک و متوسط توسط بانکها باهدف ارائه راهکارهایی بهمنظور رفع چالشها و موانع موجود جهت تأمین مالی بنگاههای ایرانی توسط بانکهای ایرانی پرداخته است. مقاله از نظر ماهیت، توصیفی و اطلاعات گردآوری شده در این پژوهش بهصورت کتابخانهای و در چهار بخش آمده است. بخش اول مقدمه بهاختصار آمده است. در بخش دوم ابتدا مروری به مباحث تئوری و تعاریف موردنیاز پرداخته و سپس پژوهشهای انجامگرفته مرتبط با موضوع تحقیق مورد بررسی قرار گرفته است. در ادامه در بخش سوم متدولوژی تحقیقات مورد بررسی بیان شده است همچنین نتایج تحقیق در بخش چهارم بیانگر آن است که بانکها نقش بسیار مهمی در تأمین مالی صنایع مختلف ایفا میکنند و توسعه این صنایع بدون حمایت بانکها امکانپذیر نیست؛ لذا بانکها نیازمند برنامهریزی و استفاده از روشهای مختلف و بهروز تأمین مالی با استفاده از ابزارهای فناوری اطلاعات جهت حمایت از بنگاههای اقتصادی ایرانی هستند تا شاهد پیشرفت چشمگیر رشد تولید و اشتغالزایی از طریق این بنگاهها در سراسر ایران باشند.
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