我论文 中国中小企业债务融资风险及防范.docVIP

内蒙古财经学院双学位毕业论文 我国中小企业债务融资的 风险及其防范 学生姓名 刘 彬 院 系 金融学院 专 业 金融学 年 级 08金融3班 学 号 802054112 指导老师 杨艳艳 导师职称 讲师 内 容 摘 要 中小企业已成为我国经济建设中最有活力的源泉，在促进经济增长和扩大就业等方面发挥了极为重要的作用。然而,我国中小企业普遍面临着融资难的问题融资难已经成为中小企业进一步发展的障碍。本文试图通过分析目前中小企业融资的、面临的主要困难以及引起这些困难的原因,结合理论与实际提出相关建议充分发挥中小企业在国民经济中的积极作用。中小企业的债务融资问题非常重要，决定着企业能否健康发展、壮大。 中小企业 债务融资风险 风险的防范Small and medium-sized enterprise has become Chinas economic construction in the source of most dynamic, in promoting economic growth and expand employment has played an extremely important role. However, Chinas small and medium-sized enterprise is faced with the problem of financing; financing has become the obstacle to the further development of small and medium-sized enterprises. This paper, through the analysis of the current situation of small and medium-sized enterprise debt financing, facing the main difficulties and cause the cause of these difficulties, combined with the theory and practical proposals to give full play to the small and medium enterprise in the positive role of the national economy. Solve the problem of small and medium-sized enterprises debt financing is very important, decide the enterprise healthy development and expansion. Key word: Small and medium-sized enterprise Debt financing risk Risk prevention 目 录 一、我国中小企业债务融资的现状··································3 （一）债务融资渠道单一··········································3 （二）债务融资成本高············································3 （三）债务融资比例不合理········································3 二、中小企业债务融资的困难与风险································4 （一）中小企业自身方面的问题····································4 （二）融资过程中的风险··········································5 （三）政府的原因················································5 三、解决中小企业债务融资方面的有效途径··························6 （一）企业自身是关键············································6 （二）金融机构的作用············································6 （三）政府的规范是保证····················