利用融资租赁解决中小企业融资难问题毕业论文.doc

题 目 　 利用融资租赁解决中小企业融资难问题 　 摘 要 中小企业在我国国民经济的发展中发挥着越来越重要的作用，中小企业具有促进经济增长、增加就业、推动技术进步等优点，因此中小企业的稳定健康发展便成为政府和社会关注的重中之重。但是一方面由于我国工业化起步较晚，改革发展的重点历来是放在国有大中型企业上，在一定程度上忽视了中小企业的发展，而且政府在政策和法律等方面对中小企业的扶持力度不够，相应的扶持机构不够健全，使得在日益激烈的市场竞争中，中小企业处于十分艰难的境地；另一方面由于中小企业自身先天的不足使得其发展存在一些障碍。中小企业在发展过程中面临许多问题，其中最为严峻的问题是资金短缺、融资困难。尤其在目前通胀严重、银行多次调高银行贷款利率的背景下，中小企业的处境更是令人堪忧。 本文以中小企业融资难为切入点，旨在鼓励中小企业采用融资租赁方式来解决该难题。 关键词：中小企业 融资租赁 ABSTRACT Small and medium-sized enterprises (SMEs) are playing an increasingly important role in our country’s economic development. This is because first from qualitative prospective, they have the advantages in promoting economic growth, increasing employment, and promoting technical progress and so on, second from quantitative prospective which could be reflected from the SMEs’ contribution to our country’s GDP. Thus, the stable and healthy development of SMEs becomes the focus of the government and society. However, for one respect, the industrialization in our country started very late, thus, all the emphasis is on large and medium sized state-owned enterprises during the reform and development and to a certain extent neglected the development of SMEs. Ia addition, in making policies and laws, the government does not give enough support to SMEs and the corresponding support system are not strong enough. Thus, in the increasingly fierce market completion, the SMEs are in a very difficult situation. On the other hand, the SMEs has many innate defects and obstacles in the development. Of which, the most serious problem for SMEs is the shortage of capital, difficulty in financing. Especially under the current situation of inflation and many banks increasing their bank interest rates for saving deposit and loans, the development of SMEs is even more worrying. This paper’s points to mak life difficult for SMEs financing, encourages SMEs to adopt lease financing to solve the problem. Key word: SMEs ;Finance leasing 目 录一、 绪论 1 （一） 选题背景 1 （二）研究意义 2 （三） 国