5241214107-惠敏-论中小企业融资问题研究(目录定稿)2015-3-16.docVIP

继续教育学院 毕业设计（论文） 题 目 我国中小企业融资的现状与对策研究 会计学 惠敏 5241214107 指导教师 蔡薇 2015-12-20至201-05-10 2016 年 05 月 10 日 我国中小企业融资的现状与对策研究 融资问题产生的原因有很多，从中小企业自身来分析，中小企业存在财务不够透明、贷款的管理成本较高、信用等级普遍低下、市场化需要提高等缺陷；其他因素主要是指银行对中小企业支持的力度不够以及银行本身信贷管理制度的缺陷。解决中小企业融资问题的关键，是结合社会的综合力量。想要真正解决中小企业融资问题必须从不同角度出发，综合银行、政府、金融机构以及中小企业自身的努力，来完成这一浩大的社会工程。从中小企业来看，必须树立好企业形象，改善企业的财务制度和管理制度，树立品牌意识提高市场认知度；从政府来看，要加强中小企业的信 本文拟在对我国中小企业融资调查研究的基础上，针对我国中小企业融资所遇到的困难与障碍，深入探讨解决的思路和方法，希望可以为我国中小企业发展提供一些有益的启示。 Current?Financing?Situation?of?SMEs?in?China?and?Countermeasures ABSTRACT Small and medium enterprises in Chinas market occupies a very important position, the development of small and medium-sized enterprises to promote the healthy development of Chinas economy has a very important significance. However, there are many factors restricting the development of small and medium-sized enterprises, the financing problem is one of the important factors. Financing problems have many reasons, from oneself of medium and small businesses to the analysis of small and medium-sized enterprises, finance is not transparent, loan management cost is higher, credit rating is low, the market need to improve defects; other factors mainly refers to the bank to the small and medium-sized enterprise support strength is insufficient and the bank credit management system defects. To solve the problem of financing problems is the combination of social power. Want to solve the financing problem of small and medium enterprises must set out from different point of view, comprehensive banking, government, financial institutions and small and medium enterprises of their own efforts, to accomplish the great social engineering. From the small and medium-sized enterprise, must establish good company image, improve the enterprises financial system and management system, establish brand consciousness to increase market awareness; from the government, to strengthen the small and medium-sized enterprise credit rating system, establis