浅谈中小企业融资难的原因及对策分析报告.docVIP

本科毕业论文 题 目：论中小企业融资难的原因及对策分析 目 录 II ABSTRACT III 1前 言 1 1.1中小企业融资背景 1 1.2中小企业的概念 1 1.3中小企业融资的概念及分类 1 1.4 融资的分类 1 2妨碍我国中小企业发展的主要问题和困难 2 2.1 信贷政策支持 2 2.2面向中小企业和民营经济的服务体系还不健全 3 2.3税负政策要进一步改进 3 2.4中小企业和民营经济自身素质有待提高 3 3对中小企业融资难的原因分析 3 3.1从中小企业发展的生命周期分析 3 3.2 从中小企业的类型分析 4 3.3从金融业的特殊经营要求分析 4 4解决中小企业融资难的对策及建议 5 4.1拓展外源融资途径是解决我国中小企业融资难问题的根本 5 4.2 解决我国中小企业融资难问题的几点思考 9 5结 论 12 谢 辞 13 参考文献 14 摘 要 中小企业在促进市场竞争、增进市场活力、推进技术创新、特别是在提供就业机会等方面具有不可替代的作用，从目前各国的情况看，无论发达国家还是发展中国家，中小企业都是经济发展和社会稳定的重要支柱。因此，各国政府都十分重视中小企业的发展。由于银行高度商业化以及中小企业自身的缺陷，中小企业融资难是世界性课题。比较而言，在西方国家这是一种较为单纯的经济运行中的问题，而我国中小企业不仅会遇到由经济运行本身所带来问题，而且还会遇到经济体制制约因素和缺乏基本金融原则所带来的不利影响，因此，中小企业的融资问题在我国表现得更为复杂。 在此背景下，本文希望通过对中小企业融资状况的分析，揭示造成我国中小企业融资难的原因，并提出相关的解决方法。 关键词: 中小企业 ；融资 ； 金融体系建设 On the causes of difficulties in financing small and medium-sized and Countermeasures ABSTRACT Most small-medium enterprises have great function in promoting the market competition, improving the markets vigor, pushing forward the technological renovation, and especially in the aspect of providing the employment opportunity, and which can not be replaced. According to the backgrounds in most counties, not only the developed ones but also the developing ones in which the small-medium enterprises are the essential mainstays In economy development and society stability. Therefore, the governments in every country pay great attention to the development of the small-medium enterprises. But due to the highly-commercialized banks and the self-defects of their own, the financing problems for small-medium enterprises has become the world topics. Comparatively speaking, this is a relatively pure problem in economic activities in western countries. While in China, the small-medium enterprises will not only be faced with the problems from the economic activities itself but also the unfavorable effects due to the restricted the economy system and lacking of basic finance regulations. Therefore the financing problems of the small-medium enterprises turn out to