经济学专业毕业论文--嘉兴中小企业信贷融资问题研究.docVIP

摘 要 融资难的问题一直困扰着中小企业的成长，也对嘉兴市经济的健康稳定发展造成了一定的影响。而信贷融资是嘉兴市中小企业融资的主要渠道。目前嘉兴市中小企业融资间接融资间接融资主要是推进中小企业信用制度建设发展中小金融机构加大对企业规范监管的力度 ABSTRACT The financing difficulties of small and SMEs have plagued the growth of economy, but also to the healthy and stable development of the jiaxing has caused some influence. And jiaxing credit loans and financing is the main channel financing SMEs. At present main jiaxing is indirect financing SMEs financing SMEs, and the indirect financing jiaxing is mainly credit financing. This paper argues that the SMEs credit financing ability is limited, financial institutions loans to SMEs will not strong, government financing support to SMEs is caused by inadequate on smes credit financing difficulties main reasons. Relieve financing difficulty needs to take comprehensive measures to parties together. SMEs need to improve product competition ability, strengthen internal control system construction, establish and perfect the financial system; Financial institutions, to speed up financial services products development and innovation, advancing the sme credit system construction, reduce information asymmetry, the development of small and medium-sized financial institutions; The government, perfect credit guarantee system to play the role of fiscal policy, play the positive role of folk lending to SMEs, increase the strength of standardization of the supervision. KEY WORDS: Jiaxing, SMEs, credit financin目 录 I ABSTRACT II 一、嘉兴中小企业融资现状分析 1 （一）嘉兴中小企业的基本情况 1 （二）嘉兴中小企业融资现状 2 （三）嘉兴中小企业信贷融资特点 5 二、嘉兴中小企业信贷融资困境及成因分析 5 （一）嘉兴中小企业信贷融资困境 6 （二）嘉兴中小企业信贷融资困境的成因分析 6 三、促进嘉兴中小企业信贷融资发展的对策建议 9 （一）中小企业自身完善 9 （二）金融机构信贷的改进 10 （三）加强政策扶持力度 11 参考文献 14 致 谢 16 引 言 嘉兴地处长三角经济圈的核心地区，是发展最快、最活跃的城市之一。目前，积极创新金融服务手段，，市经济发展中起着的地位。中小企业是经济体中一支十分重要的经济力量，中小企业的成长发展对保增长、保民生都至关重要。资金短缺仍是制约企业发展的主要矛盾，尤其是大多数小企业正处于成长发展阶段，对资金的需求十分迫切。融资难问题一直是困扰中小企业发展的核心问题 嘉兴中小企业融资现状分析 嘉兴中小企业的基本情况 根据第二次经济普查显示，嘉兴市目前规模以上的工业企业6735家，大型企业20家，中型企业442家，中小企业占全部企业总数的99.9%以上。中小企业从业人员约115万，占全部从业人员94.3%。规模以上中小工业企业完成工业总产值、利润、利税，分