我国商业银行对中小企业融资支持研究.pdfVIP

要 中小企业作为我国国民经济的一支重要力量，在促进市场竞争，增加社会就 业，推动经济发展和保持社会稳定方面发挥着重要的作用。近年来，随着我国经 济的不断发展，中小企业已成为我国产业结构中最具活力的企业形态。促进中小 企业发展，对于保持我国经济持续、快速、协调、健康发展，构建社会主义和谐 社会具有十分重要的意义。而促进中小企业发展的前提之一是建设一个中小企业 的融资体系，缓解中小企业融资难的问题，与国外相比，中国的中小企业在融资 方面遇到的困难显然要大得多：它们不仅一般地面临着权益性资本融资缺口和债 务性资本融资缺口，而且还面临着所有制歧视、企业规模歧视、信用缺失及公司 治理结构极不完善等影响更为深重的问题。中小企业融资难已成为了中小企业的 发展的瓶颈。 本文立足于中小企业的发展现状，分析当前中小企业融资基本状况以及在融 资中存在的问题。通过 业银行支持中小企业融资业务分析，以 业银行 中小 企业融资解决方案为切入点，运用系统研究和定量分析的实证研究方法，从而提 出具体的解决中小企业融资难的措施。 关键词：中小企业 融资 成因 策 1 Abstract The small and medium-sized enterprise took our country national economy an important strength, is promoting the market competition, the increase society employment, impels the economical development and the maintenance social stability aspect is playing the vital role. 。In recent years, along with our country economy unceasing development, the small and medium-sized enterprise has become in our country industrial structure the most active enterprise shape. Promotes the small and medium-sized enterprise development, regarding maintains our country economy continually, fast, coordinated, the healthy development, constructs the socialism harmonious society to have the extremely vital significance 。But promotes one of small and medium-sized enterprise development premises is constructs a small and medium-sized enterprise the financing system, alleviates the small and medium-sized enterprise to finance the difficult question, with overseas compares, Chinas small and medium-sized enterprise the difficulty which meets in the financing aspect must be much bigger obviously: Not only they the general ground is being near the rights and interests capital financing gap