毕业设计--论文成长型中小企业融资模式实证研究.doc

本科学生毕业论文 成长型中小企业融资模式实证研究 摘 要 中小企业融资困难不同于大企业的自身特点，具有融资难度大、融资成本高、融资风险高的特点：且不同类型、不同发展阶段的中小企业具有不同的融资特点。在我国，中小企业的融资现状呈现融资渠道狭窄、直接融资规模小、银行贷款是中小企业融资的主要超子渠道特点。中小企业融资难从内部原因看主要体现在缺少抵押物、信用等级低、缺乏经营风险，从外部原因看，中小企业融资难的原因体现在金融资源分布于中小企业分布不匹配、缺乏专门为中小企业体统商业融资的商业银行和担保机构。多层次基本市场没有形成等原因。 本文主要分析阻碍中小型企业融资的内部因素和外部因素，内部因素其中包括缺少抵押物和信用等级来取得银行的信任获取资金，以及缺少经营风险意识。没有经营风险意识很容易使到手的资金白白付出。外部因素包括缺少专业的商业银行，担保公司等等。对于阻碍中小型企业融资的内外部因素。大致上我分为利用内源融资和外源融资的方案来解决。内源融资主要是挖掘企业自身的潜力。因为内源融资主要就是对于企业内部的改进和加强内部控制。外源融资是积极的寻求外部力量来解决资金问题。现阶段我国家主要的外部手段是取得银行贷款。对于上市和一些其他的奇思妙想我也简单的介绍了一点。最后对于解决内外部因素的方案做了下总结。希望可以拓展国内中小企业融资的渠道。 关键词：中小企业； 企业融资； 融资理论； 融资能力；融资方案 ABSTRACT Circulating funds for middle and small enterprises different from it for large enterprises they have their own difficulties, for example, more circulating difficulties, higher circulating cost, more circulating risks, and also the middle and small enterprises, which are in different seedtime and have different specifications, have their own different characteristics. In China, the current situation of circulating funds for MSE is under narrow circulating channel and small-scale direct circulating, and also bank loan becomes most important circulating channel. Difficulty for circulating funds is reflected on lack of hostage, lower credit rank and lack of managing risks inside of enterprise, and on finance resource distribution not matching layout of enterprises, lack of professional bank hypothecating organization outside of enterprise. This article analyzes the financing of small and medium enterprises hindered internal factors and external factors, internal factors, including lack of collateral and credit rating to get the confidence of the banks to obtain funds, and the lack of awareness of business risk. No business risk awareness to hand the money can easily pay in vain. External factors include the lack of specialized commercial banks, security firms. Impede the financing of small and medium enterprises for internal and external factors. I generally divid