中小企業(yè)融資問題探討

財務(wù)管理本篇論文包括:開題報告,中英文摘要,論文,目錄,文獻(xiàn)綜述,大綱 論文編號:CW002   字?jǐn)?shù):10925,頁數(shù):21

目 錄
一、選題背景和意義 ..............................................7
二、中小企業(yè)融資現(xiàn)狀分析 ........................................9
（一）、內(nèi)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(fēng)險投資 .....................................................13
3、政策性融資 ...................................................13
三、融資難的原因分析 ............................................14
（一）、國家政策歧視中小企業(yè)，不利于中小企業(yè)融資 ................14
（二）、金融機(jī)構(gòu)未能按市場化要求改進(jìn)中小企業(yè)金融服務(wù) ............15
（三）、中小企業(yè)綜合素質(zhì)差，信用能力低 ..........................16
四、解決對策 ....................................................18
（一）、政府政策方面 ............................................18
1、從法律法規(guī)建設(shè)上來強(qiáng)化對中小企業(yè)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(yè)貸款信用擔(dān)保體系 ...........19
3、盡快建立并完善創(chuàng)業(yè)板的相關(guān)法規(guī) ...............................20
（二）、金融機(jī)構(gòu)方面 ............................................20
1、加快國有商業(yè)銀行的市場化改革 .................................20
2、國有商業(yè)銀行改進(jìn)信貸管理體制 .................................21
3、建立中小金融機(jī)構(gòu)，專門為中小企業(yè)服務(wù) .........................21
（三）、企業(yè)自身方面 ............................................22
1、加強(qiáng)內(nèi)部融資力度，組建股份合作制企業(yè) .........................22
2、完善財務(wù)制度，提高信息可信度和透明性 .........................23
3、強(qiáng)化信用觀念、提高信用等級 ...................................23
4、中小企業(yè)間聯(lián)營，實現(xiàn)生產(chǎn)集群效應(yīng) .............................23
附錄 ........................................................25
參考文獻(xiàn).....................................................33
致謝 .......................................................35

摘   要
     目前，我國中小企業(yè)發(fā)展迅速，對國民經(jīng)濟(jì)的貢獻(xiàn)度越來越大，己經(jīng)成為區(qū)域經(jīng)濟(jì)發(fā)展的強(qiáng)力助推。但是，中小企業(yè)融資難問題已成為困擾其發(fā)展的瓶頸。因此，正確認(rèn)識和有效解決中小企業(yè)融資難問題具有重要的現(xiàn)實意義。
本文從我國中小企業(yè)的各種融資渠道上介紹了其融資現(xiàn)狀，并從國家政策、金融機(jī)構(gòu)以及中小企業(yè)自身方面分析了融資難的原因。最后，針對原因，結(jié)合國外的成功經(jīng)驗和本國的實際情況提出了一些解決中小企業(yè)融資難問題的建議。主要有：完善法律法規(guī)，建立中小企業(yè)信用擔(dān)保體制；改革國有商業(yè)銀行，并發(fā)展中小金融機(jī)構(gòu)，為中小企業(yè)服務(wù)；中小企業(yè)自身規(guī)范其財務(wù)制度，強(qiáng)化信用觀念，并拓寬融資渠道。
關(guān)鍵詞：中小企業(yè)  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.