中小企业融资管理及财务知识分析对策.docVIP

本 科 毕 业 论 文 中小企业民间融资的原因和对策分析 Causes and countermeasures of the private financing of SMEs 2012 年 6 月 中小企业民间融资的原因和对策分析 专业班级：会计0804 学生姓名：程思媛 指导教师：张春景 职称：讲师 摘要 中小企业是我国国民经济的重要组成部分，在我国社会经济的发展中起着相当重要的作用。中小企业能否健康发展关系着经济健康快速发展。但我国中小企业的发展道路仍然困难重重，尤其是中小企业的融资问题。目前，中小企业融资存在着严重依赖民间融资的现状，这种依赖对企业对经济发展都存在危害。如何建立健全中小企业融资服务体系，消除中小企业从途径正规融资的困难，是增强我国中小企业市场竞争力，保证经济持续健康发展的一个重要课题。 本文主要从理论和实际两方面分析中小企业依赖民间金融融资的原因，指出过分依赖民间融资会造成的危害，提出解决中小企业从正规渠道融资难的对策，缓解民间融资过热带来的危害。 通过研究发现，中小企业依赖民间融资的原因可以大致归结为民间融资的比较优势造成的吸引力和正规机构制度和经营模式对中小企业融资限制过多造成的排斥力，以及中小企业自身的各种不足导致的抑制正规金融机构放贷意愿。为了解决这一问题，要社会各界，各个领域配合同时采取措施，主要从银行、证券市场、政府、企业等方面进行改革。 关键词：中小企业 融资结构 民间融资 Causes and countermeasures of the private financing of SMEs Abstract SMEs are an important part of our national economy, and SMEs play a very important role in the social and economic development in China. Whether SMEs can develope healthily have relations to the rapid development of the economy. However, the path of development of SMEs in China is still difficult, especially SMEs financing problems. At present, financing of SMEs rely heavily on private financing. This dependency is exists harm economic development. How to establish and improve SME financing service system, and eliminate the difficulties of small and medium enterprises from the formal way of financing, is to enhance the competitiveness of the SME market in China, to ensure the sustained and healthy economic development is an important topic. In this paper, I will analyze why SMEs rely on private financial financing, from both theoretical and practical aspects, and point out that over-reliance on private financing will cause hazards. At last, I will propose solutions to SMEs to ease the overheating of the harm of private finance. The study found that reasons for SMEs rely on private finance can be broadly attributed to the attractiveness of the comparative advantage of private financing and the repulsiveness of restrictions of the formal institutions’ systems