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本科毕业论文（设计） 题 目： 中小企业贷款难的原因与对策 学 生： 胡洁琼 学号： 200941430209 学 院： 经济与管理学院 专业： 财务管理 入学时间： 2009 年 09 月 15 完成日期： 2013 年 04 月 29  中小企业贷款难的原因与对策 摘 要：近年来我国的中小企业在数量和质量上都有了一定的发展，在促进就业、增加收入、推动技术进步、促进经济增长、保持社会稳定方面发挥着日益重要的作用。随之而来的中小企业的贷款难融资难等难题在中小企业的发展前景分析探索中也受到了普遍的关注，特别贷款难的问题。本文分析了中小企业的贷款现状，并分析了有关其形成的一系列原因，并试图通过对现状和原因的分析找到解决中小企业贷款难的应对的对策。 关键词：中小企业 贷款难 银行惜贷 The causes and therapeutic countermeasures of small and medium-sized enterprise loans difficult Abstract: In recent years, small and medium-sized enterprises in our country both in quantity and quality have certain development, in promoting employment, increasing income, promote technological progress, promoting economic growth, maintain social stability are playing an increasingly important role. Followed by small and medium-sized enterprise loans difficult financing difficult problem in small and medium-sized enterprise development prospect analysis also received widespread attention, to explore the special loan difficult problem. This paper analyzes the present situation of small and medium-sized enterprises loans, and analyzes a series of reasons of its formation, and tried to through the analysis of the status quo and reasons for find to solve the problem of small and medium-sized enterprise loans difficult to deal with Key words: Small and medium-sized enterprise loans difficult Banks reluctant to lend 目 录 引言：中小企业基本请况.................................................1 1中小企业贷款难的现状.................................................1 2中小企业贷款难的原因.................................................2 2.1中小企业自身的原因.................................................3 2.2银行信贷机构的信贷行.............................................3 2.3社会的金融中介机构的不健全.........................................4 2.4政府机构的职能缺失............................................... 5 2.5社会主义市场经济制度的不健全..............................