企业融资方法与途径.docVIP

摘要 目前，我国企业发展迅速，对国民经济的贡献度越来越大，己经成为区域经济发展的强力助推。但是，企业融资难问题已成为困扰其发展的瓶颈。因此，正确认识和有效解决企业融资难问题具有重要的现实意义。 本文从我国企业的各种融资渠道上介绍了其融资现状，并从国家政策、金融机构以及企业自身方面分析了融资难的原因。最后，针对原因，结合国外的成功经验和本国的实际情况提出了一些解决企业融资难问题的建议。主要有：完善法律法规，建立企业信用担保体制；改革国有商业银行，并发展中小金融机构，为企业服务；企业自身规范其财务制度，强化信用观念，并拓宽融资渠道。 关键词：企业 融资 渠道 方法 对策 Abstract Now the small and medium-sized enterprises (SMES) are growing fast. are the development of the national economy an important force in promoting economic growth and resolving labor and employment play an important role. With the rapid growth of SMEs, the SME financing issues have become increasingly prominent. How to effectively solve the problem of financing SMEs is very important in the national economy. This paper introduces the status quo of SME financing from the financing channels and analysis SME financing difficulties caused reasons. According the situations of the SMEs of our country and analysis and comparison in the reasons of finance difficulties, the paper had put forward solving the problems of the financing difficulties of the SMEs through the following methods: first, a matching, and can be highly workable policies to support the development of SMEs; sound risk investment system, and give full play to risk investment funds and venture capital companies. Second, vigorously develop small and medium-sized financial institutions and private sector financial institutions, and establish and perfect the system of small and medium-sized financial institutions. Third, improved financial situation, adjust the structure of assets and liabilities and improve credit rating; collaborative communication for the parties to support and improve the funding environment. Key words: Small and medium-sized enterprises， financing problem, Countermeasures. 目 录 一、选题背景和意义 7 二、企业融资现状分析 9 （一）、内源融资 11 （二）、间接融资 11 （三）、直接融资 12 1、资本证券市场 12 2、风险投资 13 3、政策性融资 13 三、融资难的原因分析 14 （一）、国家政策歧视企业，不利于企业融资 14 （二）、金融机构未能按市场化要求改进企业金融服务 15 （三）、企业综合素质差，信用能力低 16 四、解决对策 18 （一）、政府政策方面 18 1、从法律法规建设上来强化对企业的融资制