工商企业管理专业毕业论文--我国农村中小企业融资渠道选择的研究.docVIP

目 录 开题报告·····································································································2 摘要·············································································································3 ABSTRACT·····································································································4 一 我国中小企业融资渠道现状分析···························································6 （一）中小企业融资结构比较······································································6 （二）中小企业融资渠道比较·······································································7 二 我国中小企业融资渠道存在的问题······················································10 （一）中小企业自身管理不善和缺乏信用观念中小企业的融资渠道相对狭窄银行体系结构不合理，独立的中小企业银行数量过少贷款担保体系不健全，使中小企业贷款难缺乏政策性支持和完善的法律保证积极发挥政府监督和管理作用中小企业自身的完善建立健全中小企业信用评级和担保体系加大金融机构对中小企业的扶持 正是对于这一具有现实意义的问题的关注，构成了本论文选题的基础。论文按照提出问题、分析问题、解决问题的逻辑思路。首先，阐述了我国中小企业对促进经济增长，缓解就业压力以及增加农民收入，转移农村富余劳动力等方面的积极作用：随后分析了制约我国中小企业发展的各种因素，尤其突出了融资难问题，随后通过对目前我国中小企业面临的融资困境现状的分析，解析出造成中小企业融资困难的内外部因素：在上述分析的基础上，立足我国中小企业现实，选择目前适合我国中小企业发展的融资渠道，采用多种融资方式解决中小企业融资难题，同时指出解决融资难题，不仅需要中小企业自身的努力来完善融资的微观环境，同时我国金融机构和政府应持积极态度，进一步完善中小企业融资的宏观环境。 关键词：中小企业，融资困境，融资渠道，对策 ABSTRACT The small and medium-sized enterprises(SME)is a key component of economy．But questions which the MSE have accumulated in the difficult and their own development of the external environment condition are shownespecially over these several years．Development speeds lows down gradually，and they cannot play their role impetus to economy．That is an important negative factor of economic development of our country．and small enterprises becomes a difficult problem all around country． However，it is economic development of our country，especially desirability of land economic development of US to develop small and medium-sized enterprises in a more cost—effective manner，so we must pay great attention to the financing of small and medium—sized enterprises． With concern to this realistic problem，the author choose this