我国中小企业融资难的成因及对策分析.docVIP

题目：我国中小企业融资难的成因及对策分析 论文作者： 穆宏伟 2010年10月 目 录 原创性及知识产权声明 错误！未定义书签。 中文摘要及关键词 IV 英文摘要及关键词 V 一、绪论 1 （一）研究背景与意义 1 （二）文献综述 2 二、融资难是我国中小企业面临的主要困境 2 （一）中小企业的融资通道过于狭窄 5 （二）非正规金融机构发挥重要作用 6 （三）直接融资（股权融资、债权融资）规模小 6 （四）中小企业普遍缺乏长期稳定的资金来源 6 三、中小企业融资难的成因分析 7 （一）中小企业自身的经营管理不完善 7 （二）缺乏可用于抵押担保的资产 7 （三）中小企业的信用度不高 8 （四）现行银行贷款体制不利于中小企业贷款融资 8 （五）中小企业融资需求频率高，时间短增加了银行的流动性管理困难 8 （六）国有商业银行放贷习惯对中小企业不利 9 （七）金融危机、信息不对称导致银行对中小企业实施信贷配给 9 （八）金融危机下的政府经济增长偏好加大了中小企业融资难度 9 四、解决我国中小企业融资难的对策 10 （一）加强政府有关法律、法规及政策的“法力”力度 10 （二）加快建立完善中小企业征信制度 10 （三）进一步完善担保体系建设，规范担保机构的业务经营 11 （四）深化金融体制改革，消除金融抑制 11 （五）加强金融创新，拓宽信贷渠道 12 （六）中小企业应注重“修炼内功”，提升综合素质 12 （七）努力拓展融资渠道，开辟融资新方式 13 结束语 13 参考文献 14 致　谢 15 努力拓展融资渠道，开辟融资新方式Abstract Since the reform and open policy, our countrys small and medium-sized enterprise swift and violent development, for the local economy development, the increase employment post, the alleviation employment pressure, realization aspects and so on science and technology innovation and achievement transfer has played the more and more vital role. However, the majority small and medium-sized enterprises all face are financing the difficult position, has hindered the small and medium-sized enterprise development seriously. More seriously, since 2008, by the U.S. sub-loan crisis of the financial crisis sweeping the globe, and gradually spread to the real economy to slow down the world economic growth, weakening external demand, Chinas SME are faced with more severe situation. In this context, to explore mitigation financing small and medium enterprises to become the path before us a real and pressing issues, and to promote the healthy development of SME, the revitalization of the national economy, and so on to build a harmonious society of great significance. This article on the issue of Chinas small and medium enterprises financing difficulties for the causes of and countermeasures analysis, put forward to speed up the establishment of SME credit information system and improve the security