中小企业融资难问题的研究-毕业论文.docVIP

河南财经政法大学本科生毕业论文 中小企业融资难问题研究 姓　　名 学　　号 010411100327 专　　业 指导教师 2012年06月5日 摘　要 改革开放以来我国中小企业迅猛发展，如雨后般的春笋。到今天它以占据着我国经济市场的半壁江山，成为我国市场经济的主要组成部分。它在增加就业、促进科技进步、社会分工、扩大出口以及维持社会经济稳定发展等方面，发挥着不可忽视的作用。然而，中小企业在其发展过程中陷入了融资困境，融资难已成为制约中小企业发展壮大的主要因素，严重阻碍其长足发展。因此，分析中小企业面面临的融资困境及其成因并探讨其解决方法便具有非常重要的理论和现实意义。 本文首先介绍了目前形势下中小企业融资难的现状及表现,接着是对融资难原因的分析。本文从内部因素和外部因素两方面进行了分析。内部因素主要从中小企业的经营规模、资金实力,企业内部管理结构、财务管理制度、财务风险评估制度、融资方式、抗风险能力、以及对市场经济变化极度敏感等行业特点进行分析。外部因素从银行和非银行金融机构的信贷政策,政府、社会信用评级机构、信用征信系统、担保信托公司等社会方面进行分析。通过对中小企业融资难问题的分析，从不同角度提出了不同的对策建议。 关键词：  Abstract Since the reform and opening up of our economies, the small and medium-sized enterprise develop rapidly, like after the rain of bamboo shoots. Today it becomes main component of our country market economy. It plays an important role in increasing in employment, promoting the progress of science and technology, social division of labor, expanding exports, and maintaining social and economic stability and development. However, small and medium-sized enterprises in their development process face the financing difficulties. So development has become the main factors of expansion, which seriously impacts its rapid development. Thus, the analysis of financing difficulties and its causes and related solutions have very important theoretical and practical significance. This paper first introduces the present situation of the small and medium-sized enterprise financing and the status of performance, then is the analysis of the reason of financing. This paper, from the internal factors and external two factors are analyzed. Internal factors from the scale of small businesses, financial strength, the enterprise internal management structure, financial management system, financial risk assessment system, and the financing way, the ability to resist risk, as well as to the changing market economies extremely sensitive industries characteristics are analyzed. The external factors from Banks and non-bank financial institutions credit policy, the g