新余市中小企业融资问题与对策研究.pdfVIP

要 中小企业融资问题是一个世界性的难题。不同国家或地区中小企业融资难的 现状与成因都不尽相同，因而其选择破解的路径也是各具特色。新余市是一座位 于江西省中西部的新兴工业城市。近几年来，该市始终坚持以工业化为核心，逐 步形成了以 “大钢铁、新能源、新材料”为主体，门类齐全、产业聚集、企业集 群的工业发展新格局，催生了一大批中小企业。然而，由于中小企业融资难问 始终未能得到有效解决，在一定程度上制约了中小企业的进一步发展壮大。本文 通过对新余市中小企业融资难问题的实证研究，探求破解中小企业融资难的有效 路径。首先，本文在综述国内外相关研究文献的基础上，对中小企业融资相关理 论支持问题的内涵进行了界定，进而对国内中小企业融资难的成因进行了归纳分 析。其次，通过对新余市规模以上中小企业近 3 的总产值、固定资产、销售收 和利税等原始数据的收集、整理和分析，进而对该市中小企业发展状态、特征 和约束因素进行了初步判断；同时对该市中小企业融资总体状况及企业在不同规 模、生命周期、行业和信用状况情形下，企业有效信贷需求所体现的差异性进行 了实证分析；并在融资渠道单一、贷款满足率低下和信用担保体系不健全等中小 企业融资难的主要表现中，从金融、企业和政府三个层面深 探讨了中小企业融 资难的深层次原因。最后，通过借鉴国内外中小企业融资的先进经验，结合新余 市中小企业融资难的实证分析，从政府、银行、企业和资本市场四个层面，提出 了破解目前中小企业融资难的有效路径与相关政策建议。 关键词：中小企业 融资 实证研究 1 Abstract The financing difficulties of SMEs are worldwide problem. The financing status and the causes of small and medium-sized enterprises in different countries or regions are different, and thus the breaking path of theirs is also unique. Xinyu city is an emerging industrial city located in the Midwest of Jiangxi Province. In recent years, this city has always adhered to take industrialization as a core, and has gradually formed a new pattern of industrial development that take big iron and steel, new energy, new materials, as the main body, covering extensive fields, aggregating industry, clustering enterprises, and has expedited a large number of small and medium-sized enterprises. However, due to the difficulties of small and medium-sized in financing has always been lack of an effective solution, to a certain extent, this has hampered the further development of small and medium enterprises. Based on the Empirical Study of SMEs financing problem in Xinyu City, and explore the valid path of solute the financing difficulties for SMEs. First of all, this p