本篇論文包括:開題報告,中英文摘要,論文,目錄,文獻綜述,大綱 論文編號:CW002 摘要 目前,我國中小企業發展迅速,對國民經濟的貢獻度越來越大,己經成為區域經濟發展的強力助推。但是,中小企業融資難問題已成為困擾其發展的瓶頸。因此,正確認識和有效解決中小企業融資難問題具有重要的現實意義。 本文從我國中小企業的各種融資渠道上介紹了其融資現狀,並從國家政策、金融機構以及中小企業自身方面分析了融資難的原因。最後,針對原因,結合國外的成功經驗和本國的實際情況提出了壹些解決中小企業融資難問題的建議。主要有:完善法律法規,建立中小企業信用擔保體制;改革國有商業銀行,並發展中小金融機構,為中小企業服務;中小企業自身規範其財務制度,強化信用觀念,並拓寬融資渠道。 關鍵詞:中小企業 融資 對策 Abstract Now the small and medium-sized enterprises (SMEs) are growing fast. are the development of the national economy an important force in promoting economic growth and resolving labor and employment play an important role. With the rapid growth of SMEs, the SME financing issues have become increasingly prominent. How to effectively solve the problem of financing SMEs is very important in the national economy. This paper introduces the status quo of SME financing from the financing channels and analysis SME financing difficulties caused reasons. According the situations of the SMEs of our country and analysis and comparison in the reasons of finance difficulties, the paper had put forward solving the problems of the financing difficulties of the SMEs through the following methods: first, a matching, and can be highly workable policies to support the development of SMEs; sound risk investment system, and give full play to risk investment funds and venture capital companies. Second, vigorously develop small and medium-sized financial institutions and private sector financial institutions, and establish and perfect the system of small and medium-sized financial institutions. Third, improved financial situation, adjust the structure of assets and liabilities and improve credit rating; collaborative communication for the parties to support and improve the funding environment. Key words: Small and medium-sized enterprises, financing problem, Countermeasures. 目錄 壹、選題背景和意義 ..............................................7 二、中小企業融資現狀分析 ........................................9 (壹)、內源融資 ................................................11 (二)、間接融資 ................................................11 (三)、直接融資 ................................................12 1、資本證券市場 .................................................12 2、風險投資 .....................................................13 3、政策性融資 ...................................................13 三、融資難的原因分析 ............................................14 (壹)、國家政策歧視中小企業,不利於中小企業融資 ................14 (二)、金融機構未能按市場化要求改進中小企業金融服務 ............15 (三)、中小企業綜合素質差,信用能力低 ..........................16 四、解決對策 ....................................................18 (壹)、政府政策方面 ............................................18 1、從法律法規建設上來強化對中小企業的融資制度安排 ...............18 2、由政府牽頭,加快建立和完善中小企業貸款信用擔保體系 ...........19 3、盡快建立並完善創業板的相關法規 ...............................20 (二)、金融機構方面 ............................................20 1、加快國有商業銀行的市場化改革 .................................20 2、國有商業銀行改進信貸管理體制 .................................21 3、建立中小金融機構,專門為中小企業服務 .........................21 (三)、企業自身方面 ............................................22 1、加強內部融資力度,組建股份合作制企業 .........................22 2、完善財務制度,提高信息可信度和透明性 .........................23 3、強化信用觀念、提高信用等級 ...................................23 4、中小企業間聯營,實現生產集群效應 .............................23 附錄............................................................25 參考文獻........................................................ 33 致謝............................................................35 以上回答來自: /html/51/
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