我国中小企业融资问题探析

兰州交通大学毕业论文

摘要

随着我国社会主义市场经济的发展，我国经济取得了骄人的成绩，经济总量跃居世界前列。国有大中型企业是国民经济的支柱，但中小企业也为国民经济的发展做出了不可磨灭的贡献，在未来经济发展过程中中小企业必将成为一个耀眼的闪光点。

在经济发展过程中，总是在不断的出现和解决问题，而中小企业目前存在的最大问题就是融资难问题。本文通过对中小企业的研究，首先分析其融资难的背景和研究意义，其次对中小企业在国民经济中的作用以及融资现状做出了解读，再次分别从内在和外在分析了中下企业融资难的原因，最后从微观和宏观给出了解决我国中小企业融资难的解决办法——企业、金融机构以及政府三者相互配合，共同为问题的解决而努力。中小企业将会是我国经济发展的重要力量，为我国经济的腾飞和完成质的飞跃做出贡献。

[关键词]：中小企业、国民经济、融资难

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兰州交通大学毕业论文

ABSTRACT

IWith the development of Chinese market oriented economy .China has achieved impressive economic achievements, and Chinese economic aggregate has become one of the top among of countries. Small and Medium Enterprisesare the main support of national economy. In addition, Small and Medium Enterprise also makes significant contribution to national economy. Small and Medium Enterprise must become a shining point in the process of economic development. Issue always appear, and then are solved in the process of economic development, and the most serious issue is for Small and Medium Enterprise is financing difficulty. This essay does some research on Small and Medium Enterprise. First the essay analyses background information of the financing difficulty issue of Small and Medium Enterprise, function of these enterprises. Second, this essay analyses internal and external reasons of the financing difficulty issue of Small and Medium Enterprise. Last, this essay comes up with a way to solve the issue from micro and macro aspects, which enterprises , financing institution, and government cooperate with each other ,and put effort to solve the issue. Small and Medium Enterprise will be the important power of Chinese economic development, and make contribution to our country’ economic take-off and completion of economic qualitative leap.

[Keywords]: Small and Medium Enterprise；Financing difficult; Suggestions

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兰州交通大学毕业论文

目录

一、

研究背景及意义 .............................................................................. 1

（一）研究背景 ........................................................................................................ 1 （二）研究意义 ........................................................................................................ 1

1. 为中小企业融资提供建议 ............................................................................ 1 2. 为金融机构提供新的发展模式 .................................................................... 1 3. 帮助政府制定合理的政策 ............................................................................ 2 二、

中小企业融资现状 .......................................................................... 3

（一）中小企业的基本理论 .................................................................................... 3

1. 中小企业的界定 ............................................................................................ 3 2. 我国中小企业的划分标准 ............................................................................ 3 3. 我国中小企业的特点 .................................................................................... 4 4. 我国中小企业的地位和作用 ........................................................................ 6 （二） 中小企业的融资现状 .................................................................................. 7

1．中小企业普遍资金紧张 .............................................................................. 7 2．中小企业融资渠道狭窄 .............................................................................. 7 三、

我国中小企业融资难原因题分析 .................................................. 9

（一）内在原因 ........................................................................................................ 9

1．中小企业规模小、实力弱、经营风险高 .................................................. 9 2．企业的信誉度不高，信用等级低 .............................................................. 9 3．企业缺少用于抵押的固定资产 .................................................................. 9 4．企业制度不够完善，财务状况差，融资成本高 .................................... 10 （二）外在原因 ...................................................................................................... 10

1. 金融机构向中小企业贷款的激励机制不足 .............................................. 10 2. 缺乏专门服务于中小企业的金融机构 ...................................................... 10 3. 缺乏公平竞争的融资环境和法律保障 ...................................................... 11 4. 政策性金融机构支持乏力，中小企业信用担保体系不完善 .................. 11 5. 缺乏通畅的直接融资渠道 .......................................................................... 11

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兰州交通大学毕业论文

四、

解决中小企业融资困难的对策建议 ............................................ 13

（一）微观方面 ...................................................................................................... 13

1．提高中小企业自主创新能力。 ................................................................ 13 2．培育良好的信用环境 ................................................................................ 13 3．中小企业改善自身的融资能力 ................................................................ 13 （二）宏观方面 ...................................................................................................... 13

1. 改善现有商业银行对中小企业的金融服务、重塑银企关系。 .... …… 此处隐藏：4750字，全部文档内容请下载后查看。喜欢就下载吧 ……