重庆市中小企业融资问题研究.pdf

摘 要 重庆作为西部大开发的龙头城市，也是国家统筹城乡改革综合配套试验区之一， 发展中小企业对消除二元经济结构、实现城乡协调发展意义重大，研究重庆市中小 企业融资具有很好的现实意义。 本文的创新之处在于把重庆市的中小企业融资问题作为一个专门的课题来研 究，定量分析和定性分析相结合，既有从国情、市情出发分析融资难的原因，又有 对国外中小企业融资的成功经验进行借鉴，还结合了笔者的工作实际以重庆YH 物 资有限公司申请300 万贷款失败为例具体说明中小企业融资难的现实。 中小企业的融资渠道比较多，但多数融资渠道不畅，对中小企业并不适用。银 行融资虽然也很困难，但在目前情况下还是中小企业最主要、最现实的资金来源。 所以，本文讨论中小企业融资，主要是指从银行间接融资。银行融资是解决大部分 中小企业的资金短缺难题的关键。当然，本文也注重为中小企业开拓更多的融资渠 道，建立中小企业融资的立体模式才是解决问题的长远之道。 关键词：中小企业，融资，重庆市 I ABSTRACT Chongqing as a leading city of developing the western region and comprehensive reform of the urban and rural testing areas, development of SMEs is very important to the elimination of the dual economic structure and achieving coordinated urban and rural development, Researching Chongqing SME financing has good practical significance. The innovation of this paper is to study the financing of SMEs in Chongqing, not only analysis the reasons for difficulties in financing from the national conditions and the situation of Chongqing, but also learn successful experience abroad. The author also combines the work of the actual material Ltd. Chongqing YH applications 3 million loan failure as an example specify practical difficulties in financing for SMEs. Although there are many financing channels for SMEs, but most of financing channels blocked, SMEs do not have much practical significance. Although the bank financing is also very difficult, in the present it’s the most important and realistic sources of funding for SME. Therefore, SME financing in this paper primarily refers to financing from the bank. Patency of the bank financing, SMEs will be able to solve most problems of a shortage of funds. Of course, we also pay attention to broaden the financing channels for SMEs, to establish a three-dimension