毕业论文中小企业融资问题研究.doc

摘要
长期以来,中小企业的发展在我国国民经济建设中发挥了重要的作用,但是它的发展却受着资金的制约,解决中小企业融资难的问题已经迫在眉睫。因此要对我国中小企业融资中存在的问题及其成因进行剖析并制定出相应的措施。本文对中小企业融资现状和融资困难的原因,分别从国家宏观政策、金融体系、企业自身素质三个方面进行分析,得出我国中小企业的社会金融体系不够完善、信用担保不成熟、中小企业信息不对称、自身体制不健全、信用度低等都是造成中小企业融资困难的主要因素。并在借鉴国外经验的基础上,结合我国国情,提出要从中小企业自身抓起,切实提高企业总体素质,同时加速建立多层次、全方位、完善的中小企业融资支持体系和健全的经营机制,改善中小企业融资的宏观政策环境,才能保障中小企业健康快速的发展,促进我国国民经济的发展。
关键词中小企业成因分析 对策 融资渠道 信用担保体系 政策性金融机构
Abstract

For a long time, small-medium sized enterprises have played important roles in
development of national economy construction. However, there are many factors
restraining development of small-medium sized enterprises in China, specially
financing bottle-neck. It is necessary to settle to solve the financing problem. First,
we should analyze the financing problems of small-medium sized enterprises and
make corresponding steps. This paper mainly analyze the presenting conditions and
the causes of financing plight from the following three aspects: National
macro-policy、Financial system、quality of the enterprises itself, then e to the
conclusion. They are the principal factors which make the small-medium sized
enterprises hard to finance, such as the imperfection social financing system、
immaturity of credit warranty、asymmetric information of the enterprises、unsound
system of enterprises themselves、the low credits and so on. On the bases of
benefiting from foreign experiences and fundamental realities of our country, we will
get down to improve the quality of their own. At the same time, we also accelerate
to build multi-levels, all- dimensional, perfect supportive financing system and
improve the macro-policy environment. In this case, we can ensure the quick and
healthy development of small-medium sized enterprises and even our whole national
economy.


随着我国多种所有制形式并存的社会主义市场经济体制的确定,大量中小企
业,尤其是中小民营企业如雨后春笋般出现,在各国国民经济中,中小企业在数
量上一般占 90%以上,就业人数占 60%左右,产值占一半以上,在国民经济中有
着不可替代的作用。但在我国,由于历史性和制度性等原因,中小企业在融资,
税收,市场竞争等方面很难与大型企业相比较,处于明显的劣势。为推动中小企
业的稳定健康发展,中央政府和地方政府从