本科毕业设计（论文）
广东中小企业融资难问题研究
论文题目 广东中小企业融资难问题研究 系 部 经济学部 专 业 经济学 班 级 学 号 学生姓名
指导教师
摘 要
我国中小企业对促进国民经济发展具有重要作用。广东中小企业众多，所创造的GDP超过我省60%，但是，中小企业在发展过程中，融资难问题一直是制约其发展的瓶颈。妥善解决中小企业融资问题，将会极大地促进我省国民经济的健康发展。如何更好
地解决中小企业融资难问题，本文试就这一问题作一些有益的探讨。文章首先介绍了中小企业发展现状、融资现状，然后对融资难问题的表现和成因作出分析，最后借鉴国外解决融资难问题的思路方法，对解决融资难问题提出若干针对性建议。
关键词：中小企业；融资难；融资渠道；融资成本
Abstract
China's SMEs play an important role in promoting national economic development. There are many small and medium-sized enterprise in Guangdong, creating more than 60% of GDP. However, In the development process, the problem of financing has been a bottleneck restricting the development. Properly resolve the financing problem of SMEs, will greatly promote the healthy development of our province economy. How to better address the financing of SMEs, this paper do some useful discussion on this issue. The article first describes the situation of SMEs, the financing situation, then the problem of financing the performance and analysis of the causes,At last draw foreign ideas to solve the problem of financing problem, a number of recommendations to solve the problem of financing are made.
Key words： SMEs, financing difficulties, financing channal, financing cost
目 录
1.
绪 论 ....................................................................................................... 1
1.1 引言 .......................................................................................................... 1 2.
广东中小企业的融资状况 ........................................................................... 2
2.1 融资方式和成本分析 .................................................................................. 2 2.1.1 2.1.2
权益融资 ......................................................................................................................... 2 负债融资 ......................................................................................................................... 3
2.2 广东中小企业融资现状 ............................................................................... 4 2.2.1 2.2.2 3. 3.1
当前珠三角地区中小企业融资问题现状 ............................................................. 4 其他现状 ......................................................................................................................... 7
广东中小企业融资难原因分析 .................................................................... 8 广东中小企业自身原因 ............................................................................... 8
中小企业内部融资能力低 ......................................................................................... 8 中小企业竞争能力差 .................................................................................................. 8 中小企业从事高科技开发活动风险大 .................................................................. 8
3.1.1 3.1.2 3.1.3 3.2
创业版解决问题的作用有限 ........................................................................ 9
3.3 金融机构能力不足，金融体系制度不完善 ................................................... 9 3.3.1 3.3.2 3.3.3 3.3.4
金融机构方面的成因 .................................................................................................. 9 金融制度方面的成因 .................................................................................................. 9 资本市场不完善 ......................................................................................................... 10 征信体系发展滞后 .................................................................................................... 10
3.4 政府干预金融市场、政策不到位 ................................................................ 10 3.4.1 3.4.2 3.4.3 4.
政府与企业、中央与地方的问题 ......................................................................... 10 民营企业制度革新与市场环境变化不同步 ....................................................... 11 银行经营管理与民营企业发展需要不协调 ....................................................... 11
中小企业融资难的对策 .............................................................................. 13
4.1 加强企业自身建设 ..................................................................................... 13
4.1.1 4.1.2 4.1.3 4.1.4 4.1.5
提升中小企业总体实力 ........................................................................................... 13 规范企业制度，提高信息透明度 ......................................................................... 14 树立良好的信用观念意识 ....................................................................................... 14 要积极寻找新的融资渠道 ....................................................................................... 14 避开融资误区,保证融资安全 ................................................................................ 15
4.2 建立多层次、全方位金融体制 ................................................................... 17 4.2.1 4.2.2 4.2.3 4.2.4
加快利率市场化改革 ................................................................................................ 17 积极探索建立中小企业政策性金融机构 ........................................................... 17 中小企业融资担保体系需进一步健全 ................................................................ 17 以地方银行提供金融服务 ....................................................................................... 18
4.3 政府政策 .................................................................................................. 18 4.3.1 4.3.2 4.3.3 4.3.4 4.3.5 4.3.6 4.3.7
建立健全支持中小企业融资的法律法规 ........................................................... 18 逐步完善政策体系 .................................................................................................... 19 建立中小企业融资市场 ........................................................................................... 19 完善中小企业融资担保体系 .................................................................................. 19 加快社会信用体系建设 ........................................................................................... 20 建立长期稳定的合作关系 ....................................................................................... 21 开放二板市场 ............................................................................................................. 21
结束语 ............................................................................................................... 23 参考文献 ........................................................................................................... 24