我国中小企业融资困境探析.pdfVIP

摘 要 目前，我国中小企业发展迅速,在创造产品服务、缴纳税金、扩大就业等方 面发挥了重大作用，为国民生产总值增长做出了重大贡献。中小企业具有强大 的生命力，已成为经济发展和社会稳定的重要支柱。 然而与此同时，我国中小企业却普遍存在着融资成本高、融资手段单一等 问题，融资难己经成为制约我国中小企业快速健康发展的“瓶颈”，缓解中小企 业融资困境己成为经济发展所需解决的首要问题。 近年来，为解决中小企业融资难问题，各级政府和金融部门做了大量务实 有效的工作，也取得了一定的成效。但是，与广大中小企业日益增长的多元化 融资需求相比，中小企业融资难问题仍然存在，矛盾仍较为突出，融资渠道与 融资方式亟待拓展与创新。在这种背景下，对我国中小企业的融资问题进行重 新审视，深刻分析造成目前融资困境的原因，探讨如何进一步帮助我国中小企 业摆脱融资困境，具有十分重要的理论和现实意义。 本文首先回顾了中小企业融资相关理论，从客观分析中小企业所处地位和 重要性入手，首先介绍了中小企业的基本概念和中小企业融资的基本方式，为 下文分析论述奠定理论基础。然后结合调查数据对当前中小企业融资现状进行 剖析，列举我国中小企业融资过程中出现的种种问题，同时反映了我国中小企 业在融资结构、资金来源结构中存在的缺陷。第四章结合现状分析中小企业融 资难成因，主要从中小企业自身缺陷，直接融资渠道不畅和间接融资不足三个 方面展开。最后提出相关政策建议，包括提高企业自身素质，发挥政府职能和 改进银行服务水平三个部分，具体来说包含推进中小企业改革，完善相关法律 政策，构建多层次融资体系以及金融服务创新等内容。 关键词：中小企业；融资困境；融资渠道 1 Abstract At present, the rapid development of Chinese small and medium enterprises (SMEs) has made significant contribution in the creation of products and services, paying taxes, and the expansion of employment, which has also played a major role in the growth of GDP. They have become an important pillar of economic development and social stability with strong flexibility and vitality. At the same time, however, Chinese SMEs have lots of problems in their development. There is a lot of prevalence for the SMEs, such as the high financing costs, the lack of financing channels, and so on. The difficulties in financing have become a bottleneck of Chinese SMEs’ rapid and healthy development. The way to solve the financing problems of SMEs to their further economic development has been required urgently. Recently, in order to address the issue of SME financing, government and financial departments at all levels hav