《建立和完善中小企业融资体系的探讨》.doc

建立和完善中小企业融资体系的探讨 摘 要 融资意识薄弱、融资渠道少、融资手段单一、融资额度有限是大部分中小企业在解决企业资金紧张局面时面临的普遍问题。中小企业融资难的原因在于我国融资服务体系不健全和中小企业自身存在的不足和缺陷。本文简要分析了中小企业的经济地位、融资现状及其融资难的基本原因，并提出了改善中小企业融资内外部环境的建议。ABSTRACT Weak awareness of financing, financing, financing channels, single means less financing limit is most medium-sized enterprises in solving enterprise capital tensions in the common problems. Sme financing is our service system and small and medium-sized enterprise limitations and defects. This paper analyses the economic status of smes financing, financing and the basic reasons, and puts forward the improvement of the internal and external environment of small and medium-sized enterprises financing advice. Put forward to solve the sme financing difficulties, it is a complicated system of the central government, need attention and the local governments, departments and institutions, the advance in policy reflects diversity, commercial, integrity, from system consummation policy support system, At the same time, change ideas, cultivating and financing institutions in protecting private capital, standardized operation and commercial principle, actively expand indirect financing channels, Secondly, the construction of the multi-level game, expand the direct financing channels, support the healthy development of small and medium-sized enterprises, Finally, the enterprises to strengthen the corporate governance structure, increasing financial transparent fully excavate internal its potential, according to the characteristics of enterprise development, seeking funds based on support. Keywords: small and medium-sized enterprise legal safeguard financial support information service 第一章 引 言 国家经贸委最新统计结果表明目前全国共有中小企业1000余万家占我国企业总数的99%总产值和利税分别占全国的60%和40%就业人口占全国的75%中小企业在国民经济中正发挥着越来越重要的作用。我国中小企业具有数量较多覆盖领域较广投资相对较少经营方式灵活船小好掉头适应社会需求的一系列特点从而决定了它在社会主义市场经济发展中的独特地位决定了它对推动社会经济繁荣、解决劳动力就业、保持社会稳定、扩大社会需求、调节产业结构、增加财税收入、推动金融业发展的重要作用。但是一个时期以来特别是东南亚危机发生以来一些人开始忽视中小企业的这种地位和作用造成了中小企业进一步发展困难重重。同时由于中小企