金融学本科本科毕业论文（设计）-我国中小企业融资问题研究.docVIP

本科生毕业论文（设计） 题 目 我国中小企业融资问题研究 学 院 经济学院 专 业 金融学 　 学生姓名 　 学 号 年级 指导教师 　 教务处制表 二ΟΟ 年 月 日 我国中小企业融资问题研究 （金融学） 学生 指导老师 摘要：中小企业是推动我国经济发展的重要力量，在经济社会协调发展方面发挥着重要作用。但是，在中小企业迅速发展的过程中，融资难是其面临的普遍问题，也是一个系统性问题，它需要银行等金融机构、政府、企业各方面的共同努力解决。 本文在明晰了中小企业概念的基础上，分析了中小企业的重要作用，概述了我国中小企业的发展状况。从我国中小企业融资现状入手，列举了较为普遍的融资问题，分中小企业自身原因、融资渠道单一、政策环境和法律环境制约三个方面深入剖析了中小企业融资问题的成因，最后提出了一系列解决对策：首先改善市场环境，拓宽融资渠道，鼓励金融机构加强对中小企业的信贷支持；其次加强政策扶持，健全法律法规，改善政策环境和法律环境；再次加强中小企业自身建设。 关键词：中小企业 融资难 融资渠道 The Analysis of Chinese SMEs Financing abstract： and medium-sized enterprises have been playing an important role in economic development and also contribute greatly to coordinated development of economy and society. However, during the period of the rapid development of these small- and medium-sized enterprises, the difficulty in financing becomes a common problem, which is also a problem of the economic system. The solution of the problem involves many aspects, such as finance institutions, the government and the enterprises themselves. This article firstly states the clear concept of small- and medium-sized enterprises, which lays the foundation. Secondly, it introduces the important role played by small- and medium-sized enterprises so as to show us the necessity of solving the financing problem. Then it gives us a brief picture of the development of small- and medium-sized enterprises and shows us main problem of financing. According to the article, the imperfection of small- and medium-sized enterprises, little finance source, and inappropriate political and legal environment have all contributed to the problem. Finally, some specific measures are put forward. It is imperative to improve financing environment, seek for more finance source, and encourage financial institutions to give more support. Meanwhile, it is also necessary to impro