论我国中小企业融资难的原因及对策(论文11200字)
On the Causes and Countermeasures of SME financing
摘 要
改革开放以来，中小企业迅猛发展，已成为推动国民经济发展，构造市场经济主体，促进社会稳定发展的坚实力量。中小企业在就业难的问题与拉动国民经济增长上有着不可估量的作用。有利于国民经济迅猛发展，有利于国家资源利用和资源整合。但是，中小企业没有合理利用社会和国家资源进行融资，导致中小企业在融资上困难。金融机构更为重视大型企业和国有企业，国家对于中小企业融资问题的规章制度和监管措施还不太完善等等方面。
因此在解决中小企业融资难的问题上就需要国家、企业、金融机构相互协调和促进。本文旨在研究我国中小企业融资难的原因，通过研究找到问题所在，从而对中小企业融资难进行研究并提出对策，对我国中小企业稳定发展有一定的促进作用，而中小企业的发展是保证国家经济增长，解决就业难的重要条件，我们应借鉴国内外经验，加大对中小企业的扶持，以充分发挥中小企业在国民经济增长中的作用。
关键词：中小企业；融资；经济发展
BASTRACT
Since the reform and opening up, the rapid development of small and medium enterprises, has been promoting the development of national economy, constructing the main body of market economy, promote social stability and development of the solid strength. Small and medium-sized enterprises have an inestimable role in the difficult problem of employment and stimulating economic growth. Is conducive to the rapid development of national economy, in favor of the state of resource use and resource integration. However, the small and medium-sized enterprise has no reasonable use of social and national resources for financing difficulties of small and medium sized enterprises, resulting in the financing. Financial institutions to pay more attention to large enterprises and state-owned enterprises, the state for the financing problem of small and medium-sized enterprises regulations and regulatory measures are not perfect and so on.
Hence the need for the state, enterprises and financial institutions, mutual coordination and promotion in solving the financing difficulty of small and medium-sized enterprises on. This paper aims to study the causes of the financing difficulties of small and medium-sized enterprises of our country, through the research to find the problem, and to the small and medium-sized enterprise financing difficult to study and put forward countermeasures, have a certain role in promoting the stable development of China's small and medium-sized enterprises, and the development of small and medium-sized enterprises is the guarantee of national economic growth, an important condition to solve the employment difficulties, we should use for reference the domestic and foreign experience, to increase support for to give full play to small and medium-sized enterprises in the national economic growth in the role of.
Keywords: financing economic development
目 录
第一章 绪论 1
1.1 研究背景及意义 1
1.2 中小企业的界定 1
1.3 中小企业的融资 1
第二章 我国中小企业融资难的主要困境 4
2.1 融资结构失衡 4
2.2 直接融资状况不理想 5
2.3 缺乏信贷支持 5
2.4 融资通道过于狭窄 6
2.5 缺乏长期稳定的资金来源 6
第二章 我国中小企业融资难的成因分析 7
3.1 自身原因的经营管理不完善 7
3.2 中小企业的信用度不高 8
3.3 银行贷款体制不利于中小企业贷款融资 8
3.4 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 9
第四章 解决我国中小企业融资难的对策 10
4.1 深化中小企业改革 10
4.2 加快建立完善中小企业征信制度 10
4.3 塑造高效的信贷体制 11
4.4 加强金融创新，拓宽信贷渠道 12
4.5 加强政府有关法律、法规及政策的“法力”力度 12
4.6 努力拓展融资渠道，开辟融资新方式 13
结 论 14
参考文献 15
致 谢 17
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