吉林省中小企業(yè)融資創(chuàng)新研究

論文編號(hào):GS363  論文字?jǐn)?shù):17282,頁數(shù):18   附外文翻譯

 摘  要

 20世紀(jì)九十年代中后期，隨著我國市場(chǎng)化程度的提高以及國內(nèi)外貿(mào)易環(huán)境的變化，中小企業(yè)數(shù)量迅猛增加，它在整個(gè)經(jīng)濟(jì)運(yùn)行中發(fā)揮著越來越重要的作用，發(fā)揮經(jīng)濟(jì)增長引擎、創(chuàng)造就業(yè)機(jī)會(huì)、活躍市場(chǎng)以及優(yōu)化調(diào)整產(chǎn)業(yè)結(jié)構(gòu)等功能。資本是企業(yè)的血脈，是企業(yè)經(jīng)濟(jì)活動(dòng)的持續(xù)推動(dòng)力。中小企業(yè)要想進(jìn)一步發(fā)展，擴(kuò)大投資規(guī)模再所難免。而目前中小企業(yè)發(fā)展中普遍受到資金短缺的困擾，因此研究融資創(chuàng)新方式對(duì)中小企業(yè)的生存和發(fā)展具有非常重要的意義。
 本文圍繞如何支持中小企業(yè)融資這一問題，首先對(duì)中小企業(yè)融資的相關(guān)理論進(jìn)行了闡述；然后對(duì)吉林省中小企業(yè)融資的現(xiàn)狀和造成融資困難的原因進(jìn)行了系統(tǒng)分析，并總結(jié)了造成吉林省中小企業(yè)融資困境的原因；然后剖析了國內(nèi)其他省份中小企業(yè)融資的模式和經(jīng)驗(yàn)；最后在充分借鑒國內(nèi)先進(jìn)經(jīng)驗(yàn)的基礎(chǔ)上，結(jié)合吉林省的具體實(shí)際，對(duì)如何解決吉林省中小企業(yè)的融資困難提出了政策建議，并進(jìn)行了實(shí)證分析，希望本論文對(duì)吉林省中小企業(yè)的發(fā)展提供一定的參考。
 
 
 關(guān)鍵詞：吉林�。恢行∑髽I(yè)；融資；信用擔(dān)保

The innovation analysis of SMEs financing in Jilin province

 Abstract:In the mid and later of 1990th , as the improvement of the degree of the native market and the changes of internal and external commercial environments, SMEs（small and medium-sized enterprises）became more and more popular in the economy, such as being the engine of economic improvement, creating the job opportunities, making  the market active and optimizing the industrial construction, and so on. Capital is the blood of enterprise, and the continuous power of the enterprise’s activity. If the SMEs want to develop further, it isn’t avoided that expand the scale of the investment. Now the development of SMEs is universal disturbed by the shortage of capital. So the innovation analysis of the financing is meaningful for the development of the SMEs.
 This paper involves the problem how to support the SMEs’ financing. First, the states relative theories in the financing of SMEs. After an empirical analysis of the status of SMEs financing, in Chapter 2, the author sums up the reasons for the difficulties Jilin’s SMEs faced in financing. In Chapter 3, the author introduces other province’s SMEs financing practices and experience which Jilin Province can apply on practice. Based on the above analysis and taking Jilin Province’s reality into account, in the last part of the paper, the author make policy suggestions in order to give certain advice for Jilin Province’s SMEs financing.

 Key words: Jilin province；SMEs；Financing；Credit-guarantee

目  錄

引言…………………………………………………………………………………………1
一、 中小企業(yè)融資理論 …………………………………………………………………1
（一）中小企業(yè)及融資的涵義……………………………………………………………1
（二）目前常用的融資方式………………………………………………………………2
二 、吉林省中小企業(yè)融資現(xiàn)狀分析 ……………………………………………………3
（一）吉林省中小企業(yè)融資現(xiàn)狀…………………………………………………………3
（二）吉林省中小企業(yè)融資存在的問題…………………………………………………3
三 、吉林省中小企業(yè)融資與其他省份的比較分析 ……………………………………7
（一）國內(nèi)其他省份中小企業(yè)融資現(xiàn)狀…………………………………………………7
（二）其他省份中小企業(yè)融資可借鑒之處………………………………………………7
四 、吉林省中小企業(yè)融資創(chuàng)新對(duì)策建議 ………………………………………………8
（一）吉林省中小企業(yè)融資創(chuàng)新對(duì)策建議………………………………………………8
（二）實(shí)證分析……………………………………………………………………………15
結(jié) 束 語 …………………………………………………………………………………16
參考文獻(xiàn) …………………………………………………………………………………18