關于我國中小企業融資難的原因和對策的問題探討

財務管理本篇論文包括:開題報告,中英文摘要,論文,目錄,文獻綜述,大綱 論文編號:CW020   字數:8347,頁數:16

目  錄
一、引言............................................................... 6
二、我國中小企業現狀介紹............................................... 6
（一）、我國中小企業融資現狀 ...........................................6
（二）、我國中小企業的融資渠道 .........................................7
三、我國中小企業融資難的成因分析 .......................................8
（一）、中小企業自身的弱點 .............................................8
（二）、銀行方面的原因................................................. 9
（三）、金融體系方面的原因 .............................................10
1、金融市場不成熟 ......................................................10
2、金融服務體系不健全 ..................................................10
（四）、政府方面的原因 .................................................11
1、政策支持不夠 ........................................................11
2、法律體系不健全...................................................... 11
四、解決我國中小企業融資難的措施探索 ...................................12
（一）、提高中小企業自身素質........................................... 12
（二）、加快金融體制改革 ...............................................13
（三）、大力發展融資租賃............................................... 14
（四）、加強政府的支持力度 .............................................16
（五）、完善法律法規，拓寬融資途徑 .....................................17
五、結論 ...............................................................18
附錄................................................................... 19
文獻綜述 ...............................................................19
參考文獻 ...............................................................26
致  謝 ...............................................28

摘要
根據2007年新華社公布的數據，當前我國中小企業已超過1000萬家，占到企業總數的99% ，其總產值占到全國的60% 左右，對國民經濟的貢獻率不斷上升，特別是在擴大就業、滿足居民多樣化和個性化需求，進行技術創新等方面發揮著日益重要的作用。但作為經濟社會中最活躍力量的中小企業占有的金融資源卻不足20% ，中小企業融資難已成為中小企業發展中的突出問題，成為阻礙中小企業發展的瓶頸，并且制約著經濟社會的發展。分析這一問題出現的原因，借鑒國外先進經驗，找到符合我國國情的解決途徑勢在必行。

關鍵詞：企業融資 金融系統 改革對策

Abstract
   Data which the Xinhua News Agency announces according to 2007, the current Our country Small and medium-sized enterprise has surpassed 10,000,000, occupies to the total number of enterprises 99%, its total output value occupies about national 60%, rises unceasingly to national economy's technical progress factor, specially in the job enlargement, the satisfied resident diversification and the personalized demand, carries on aspects and so on technological innovation to play day by day the vital role. But takes the financial resources which in the economic society the most active strength's small and medium-sized enterprise holds actually insufficient 20%, the small and medium-sized enterprise finances difficultly to become in the small and medium-sized enterprise development the prominent question, becomes hinders the small and medium-sized enterprise development the bottleneck, and is restricting economic society's development. Analyzes reason which this question appears, profits from the overseas advanced experience, found conforms to our country national condition key to the situation to be imperative.

key words: Enterprise financing  financial system  reform countermeasure