中小企业融资问题研究-金融学专业毕业论文.docx

中小企业融资问题研究
摘#腰
中小企业与大企业一样,是现代经济不可缺少的组成部分,其在扩大就业、活跃市场、增加收入、稳定社会以及形成合理的国民经济结构等方面发挥着难以替代的作用。在某种程度上,中小企业的活跃程度是一个国家或地区市场经济活力大小的标志。随着中国加入WTO以及经济自由化和全球化的日益加深,我国中小企业面临着来自国内外市场的激烈竞争和严峻挑战,如何为广大中小企业创造良好的发展环境是摆在政府和经济学家面前的一个迫切课题。目前,阻碍我国中小企业发展的一个严重的问题就是与国有大型企业相比,中小企业所面临的融资困境。
本文在对中小企业融资一般理论论述的基础上,就中国中小企业融资的现状及存在的问题进行了具体的分析和探讨。文中首先对中小企业的界定和中小企业的融资方式进行了论述,总结了中小企业融资的特点;其次对当前中国中小企业融资的现状进行了分析,指出目前我国中小企业在其发展过程中普遍面临着融资难题;然后,结合传统的理论分析和我国的具体国情,进一步分析了我国中小企业间接融资和直接融资困难的具体原因;文章的第四部分从国际经济的角度出发,探讨世界上对中小企业融资体系构建比较成功的国家(以美国、日本和意大利为代表)的宝贵经验,并从中总结出他们的共同之处,以资借鉴;最后,针对目前中小企业融资困境,在借鉴国外经验的基础上,文章对解决目前中小企业在直接融资和间接融资的困难提出了具体的对策,即构建适合我国中小企业特点的直接融资体系和间接融资体系并辅之以相应的配套体系。
关键词:中小企业融资困难融资体系
SmaI I and medi um—sized enterprises Financing Research Abstract
Like large enterprises,small and medium—sized enterpfises(SMEs)are ponent of modem are playing a unreplaceable role iIl increasing employment,animating market,raising e,stabilizing society and forming healthY national economic a sense,the extent that SEMs have developed indicates whether the market is active or China’s entrance into WT0 and the deepening of economic liberalization and甜obalization,SEMs in our country are involved in petition and strict is all impeding task
for our government and economists to answer the question that how to create
favorable developing environment for the contrast to
ofthe problems that are blocking the advancement of SEMs is financing dilemma.
On the basis of putting forward the general theory,the article discusses and analyzes the current financing situations and problems of SEMs in ,the article explains the definition of SEMs and financing methods often adopted bv SEMs. then it gives the financing characteristics of further analyzes the current flnancing situation in China and illustrates that many SEMs are confronted
with financing dimculties during their development in China.Ⅲ to the
traditional theoretic an