我国企业融资方式选择存在的问题及分析(论文14700字)
摘 要
企业正常经营和扩张离不开资金的支持，技术的开发与创新也需要资金作为支撑。融资是企业获取资金的有效途径，企业利用融资获得资金用于生产、研发、创造价值带来财富影响社会财富增长。从世界各国看，企业中大部分企业为中小企业，中小企业作为新生力量对科技进步、知识推广作用巨大，有着广阔的发展空间，前景美好、潜力无限。中小企业是推动经济发展的重要力量，对经济起着至关重要的作用。中小企业发展对资金的需求更为迫切，所带来的问题也备受各国关注。因此，对我国企业融资方式选择的研究能够对中小企业的自身融资发展问题起到一定的指导，同时对于整个社会经济稳定发展也具有重要的意义。
本文对中小企业融资方式的国际方面研究进行了了解，并针对我国的实际情况，对国内的企业融资问题进行了探究。在国内企业融资模式的基础上，充分考虑企业内部财务信息情况，并结合企业外部环境，对现有的融资方式进行了改进和优化。对我国企业融资方式选择存在的现状及问题从历史和现实两个方面入手分析其成因，并根据原因采取相应的解决方案。
本文对于我国企业融资问题的研究，不仅能够对中小企业的融资选择问题进行很好地解决，使中小企业能够更加准确和合适的选择适合自己的融资方式，同时也有利于对国内的整体行业中融资方式进行分析和探讨，对整个行业市场的发展具有推动作用。
关键词：资金 融资模式 优化
Abstract
Along with the market economy reform process, SMEs have become an important driving force for China's economic development. The development of small and medium-sized enterprises in relationship with the national employment, social stability and economic sustainable development and international competitiveness. Occupies an important position in the economic pattern. But from the point of view of economic development in recent years, our country small and medium-sized enterprise in the financing process exposed many deep-seated problems, such as lack of funds, financing channels for a single, financing system is not perfect, state-owned banks to small and medium-sized enterprises "credit crunch", small business owners in the new way of financing lack of understanding. At this stage, the shortage of funds the main bottleneck of the development of the C foot restricts the small and medium-sized enterprise, financing is the key to financing of small and medium-sized enterprises. To solve the financing problem of SMEs is imminent. This not only needs the support and guidance of national policy, but also should consider the internal factors of enterprises, this paper for the financing of small and medium enterprises are systematically studied based on.
This paper starts from the development of enterprise financing ways in our country, describes the history and current status of financing of domestic enterprises. And listed bank loans, equity financing, bill financing and financing guarantee the use of several commonly used domestic enterprises financing.
Secondly, the present financing ways in financing problems, and the problem of historical and realistic reasons. And through comparison of the choice of enterprise financing ways in developed countries and bring forward the foreign practices, combined with China's specific national conditions, the choice of enterprise financing ways in our country should still dominated by indirect financing, gradually transition to diversified financing.
At the end of the direction of future enterprise financing in China, and how to improve the efficiency of indirect financing, bank financing to optimize the external environment, improve the efficiency of enterprise financing. And enumerated several enterprise financing ways will help to improve the current difficulties of enterprise financing in our country. In order to meet the needs of economic development, combined with China's specific national conditions, the future of enterprise financing ways in our country, should be dominated by indirect financing, direct financing is complementary, gradually to the development of diversified financing. And should improve the corporate financing choices of the external environment, and strive to improve the efficiency of enterprise financing.
目 录
摘 要 1
ABSTRACT 2
目 录 4
一、 绪论 6
（一）研究背景和意义 6
1. 研究背景 6
2. 研究意义 7
1.2 文献综述 7
1.2.1 国外文献综述 7
1.2.2 国内文献综述 8
1.3 研究思路 9
第二章 企业融资方式理论研究 10
2.1 企业融资方式的分类及结构组成 10
2.1.1 企业融资方式的分类 10
2.1.2 企业融资结构组成 10
2.2 我国企业融资方式的演进 11
2.3 几种国内常用的企业融资方式 12
第三章 我国企业融资方式选择存在的现状及问题分析 15
3.1 我国企业融资方式选择存在的问题 15
3.2 我国企业融资方式选择问题的成因 16
3.2.1 历史原因 16
3.2.2 现实原因 16
四、我国企业融资方式的选择分析 18
（一）今后我国企业融资方式选择的方向 18
1.改变企业融资对银行贷款的过度依赖是经济发展的需要 18
2.我国金融业发展状况决定了仍应以间接融资方式为主 18
4.2 转变银企关系提高银行间接融资的效率 19
4.2.1我国银企关系形成的历史背景及现有银企关系的不足 19
4.2.2我国银企关系转变的客观需要 19
4.2.3 培养互利合作型银企关系 20
4.3 优化企业融资方式选择的外部环境 21
4.3.1 健全社会信用担保体系 21
4.3.2 加强金融监管 22
4.4 几种可供选择的企业融资方式 22
4.4.1 自偿性贸易融资 22
4.4.2 风险投资 23
4.4.3 银团贷款 23
第五章 总结 25
参考文献 26
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