中小企业融资难的原因及对策毕业论文

届普通本科毕业论文（设计） 存档编号：

毕业论文（设计）

题目：

中小企业融资难的原因及对策 专 业： 财务管理 院 系： 会计系 年 级： 学 号： 姓 名： 指导教师： 职 称： 教授

湖北经济学院教务处 制

目 录

摘要 ······························································································· 2 ABSTRACT ····················································································· 3 导论 ······························································································· 3 （一）研究背景及意义 ······································································· 3 （二）文献综述 ················································································ 3 （三）研究的主要内容和方法 ······························································ 一、中小企融资难现状 ······································································· 6 （一）中小企业融资渠道单一，成本较高 ·············································· 6 （二）中小企业信用担保体系滞后························································ 6 (三）缺乏有效的担保 ······································································· 6 二、中小企业融资难的原因 ································································· 8 （一）企业自身管理落后，缺乏信用 ···················································· 8 （二）银行信贷难，金融机构不完善 ···················································· 8 （三）政策难落实，缺乏统一管理························································ 9 三、国外发达国家中小企业融资经验 ···················································· 11 （一）完善的法律体系 ······································································· 11 （二）发达的担保体系 ······································································· 11 （三）优惠的税收减免政策 ································································· 11 （四）多层次的资金的支持体系 ··························································· 11

四、中小企业融资难的对策和建议 ························································ 13

（一）企业加强自身建设，树立良好企业形象 ········································ 13 （二）银行等金融机构应该转变观念，提升服务品质 ······························· 13 （三）强化信用担保再担保制度 ··························································· 14 （四）规范中介机构的行为 ································································· 14 （五）规范信用担保体系 ···································································· 14 （六）大力发展中介服务机构 ······························································ 15 （七）加强政府支持的力度，完相关法律法规 ········································ 15 结束语 ···························································································· 17

五、参考文献 ··················································································· 18

摘要

作为一个庞大的群体，中小企业在国民经济中发挥的作用越来越大。20世纪90年代以来，我国中小企业在经济运行中充当经济增长引擎、创造了大量就业机会并且优化调整产业结构等的特殊功能为各界所认可，对于我国的经济发展、人民生活水平的提高都起到了十分关键的作用。但是从目前的状况看，中小企业的尴尬情况是，企业内部发展遇到资金短缺的制约，而外部发展的势头的需求十分旺盛，造成了一种内外不协调，不一致的局面。也正是因为资金短缺的制约，使得中小企业很难获得企业发展所必须的资金。在制约中小企业发展的各种“瓶颈”中，融资难已经是最大且最难解决的问题了。随着我国经济体制改革的不断深入改革，如何解决中小企业融资难问题早已成为政府、企业和研究学者所共同关注的课题。因此，研究有利于中小企业成长所需要资源的融资对策，满足中小企业融资需求是保持未来经济持续增长和活力的关键因素。

关键词：中小企 …… 此处隐藏：1625字，全部文档内容请下载后查看。喜欢就下载吧 ……