我國(guó)中小企業(yè)融資難問(wèn)題探討----畢業(yè)論文


摘要
改革開(kāi)放以來(lái)，我國(guó)中小企業(yè)取得了長(zhǎng)足發(fā)展，在經(jīng)濟(jì)發(fā)展和社會(huì)穩(wěn)定中扮演著重要角色。隨著我國(guó)市場(chǎng)經(jīng)濟(jì)體制的不斷完善和世界經(jīng)濟(jì)一體化趨勢(shì)的不斷加強(qiáng)，中小企業(yè)面臨著前所未有的發(fā)展機(jī)遇和挑戰(zhàn)。而資金是中小企業(yè)發(fā)展過(guò)程中不可或缺的生產(chǎn)要素，穩(wěn)定的融資渠道是中小企業(yè)發(fā)展的重要前提條件，目前我國(guó)中小企業(yè)在發(fā)展過(guò)程中最突出的問(wèn)題，就是資金的匱乏、融資渠道的不暢。針對(duì)此，本文深入剖析了中小企業(yè)融資困難的成因，并針對(duì)中小企業(yè)融資存在的問(wèn)題，研究提出了緩解中小企業(yè)融資難的解決措施。
關(guān)鍵詞：中小企業(yè)  融資  成因分析  解決措施
 

Abstract
Since reform and opening up, China has made considerable development of Small and Medium Enterprises in the economic development and social stability play an important role. With the constant improvement of China's market economic system and the integration of the world economy growing trend, it is facing unprecedented development opportunities and challenges. Capital   is an indispensable factor of production processes, and stable financing channels are an important precondition for the development of small and medium enterprises. The most prominent problem that small and medium enterprises in the development process faced is the scarcity of capital and the sluggish of financial channels. This paper analyzed in-depth the status and causes of the status and causes of small and medium enterprises financing, then combined the existent problems and put forward to some measures on easing financing difficulties.
Key words: Small and Medium Enterprises; Finance; Cause Analyze; Solutions
 

目  錄
一、序論 6
二、本論 6
（一）、我國(guó)中小企業(yè)融資現(xiàn)狀 6
（二）、我國(guó)中小企業(yè)融資難成因分析 8
1、中小企業(yè)自身問(wèn)題 8
2、銀行方面的因素 9
3、政府方面的因素 10
（三）、中小企業(yè)融資的國(guó)際比較與借鑒 11
1、有關(guān)國(guó)家和地區(qū)政府的支持舉措 11
2、國(guó)外政府對(duì)中小企業(yè)支持的啟示 13
（四）、解決我國(guó)中小企業(yè)融資困難的對(duì)策 14
1、企業(yè)自身建設(shè) 14
2、銀行及金融機(jī)構(gòu)的支持 15
3、政府的大力扶持 16
三、結(jié)論 18
附錄 19
文獻(xiàn)綜述 19
一、前言 20
二、正文 21
（一）、中小企業(yè)和融資的定義 21
（二）、中小企業(yè)在我國(guó)國(guó)民經(jīng)濟(jì)中的重要地位 22
（三）、我國(guó)中小企業(yè)融資難原因分析 23
(2)、外部原因主要有 23
參考文獻(xiàn) 30
致謝 32