西安交通大学城市学院本科生毕业论文
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ABSTRACT
ABSTRACT
Since the reform and open policy, our country's small and medium-sized enterprise swift and violent development, for the local economy development, the increase employment post, the alleviation employment pressure, realization aspects and so on science and technology innovation and achievement transfer has played the more and more vital role. However, the majority small and medium-sized enterprises all face are financing the difficult position, has hindered the small and medium-sized enterprise development seriously. More seriously, by the U.S. sub-loan crisis of the financial crisis sweeping the globe, and gradually spread to the real economy to slow down the world economic growth, weakening external demand, China's SME are faced with more severe situation. In this context, to explore mitigation financing small and medium enterprises to become the path before us a real and pressing issues, and to promote the healthy development of SME, the revitalization of the national economy, and so on to build a harmonious society of great significance. This article on the issue of China's small and medium enterprises financing difficulties for the causes of and countermeasures analysis, put forward to speed up the establishment of SME credit information system and improve the security system; to deepen reform of the financial system; to improve the overall quality of small and medium-sized, efforts to expand the financing channels and open up new ways of financing and other related strategies to solve the financing problem of SME, in order to solve the difficult problem of financing small and medium-sized to provide some new idea
KEYWORDS: Small and medium-sized enterprise；Finances difficultly；Countermeasure
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西安交通大学城市学院本科生毕业论文
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目录
目录
摘 要............................................................................................................................................... I ABSTRACT .................................................................................................................................... III 1导论................................................................................................................................................ 1
1.1选题背景和意义 ................................................................................................................. 1 1.2中小企业的概念 ................................................................................................................. 2 1.3我国中小企业的发展现状 ................................................................................................. 2
1.3.1我国中小企业经营状况 .......................................................................................... 3 1.3.2我国中小企业融资状况 .......................................................................................... 4
2. 我国中小企业融资难的原因 ...................................................................................................... 7
2.1企业内部因素 ..................................................................................................................... 7
2.1.1中小企业的信息不对称 .......................................................................................... 7 2.1.2中小企业自有资金不足，自我积累有限 .............................................................. 8 2.1.3中小企业经营稳定性差 .......................................................................................... 8 2.2外部环境因素 ..................................................................................................................... 9
2.2.1缺乏有效地融资担保机制和风险投资机制 .......................................................... 9 2.2.2中小企业融资渠道的狭窄 ...................................................................................... 9 2.2.3国有商业银行放贷习惯对中小企业不利 ............................................................ 11 2.2.4金融危机下的政府经济增长偏好加大了中小企业融资难度 ............................ 11
3. 解决中小企业融资困难的对策 ................................................................................................ 12
3.1整顿和提高中小企业自身整体素质 ............................................................................... 12
3.1.1.改善中小企业的管理制度 .................................................................................... 12 3.1.2.健全中小企业财务制度 ........................................................................................ 12 3.1.3.树立诚信的观念,杜绝商业欺诈行为 ................................................................... 14 3.1.4.树立品牌意识,提高市场认知度 ........................................................................... 15 3.2制定和完善相关法律法规 ............................................................................................... 16 3.3完善各种融资渠道，真正实现多渠道融资 ................................................................... 16 3.4强化政府行为 ................................................................................................................... 17 3.5加快建立完善中小企业征信制度 ................................................................................... 19 3.6进一步完善担保体系建设，规范担保机构的业务经营 ............................................... 19 3.7深化金融体制改革，消除金融抑制 ............................................................................... 19 4. 结论 ............................................................................................................................................ 21 致谢................................................................................................................................................. 23 参考文献 ......................................................................................................................................... 24 外文文献及翻译 ............................................................................................................................... 1
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