我国中小企业融资研究毕业论文.doc

京 江 学 院 JINGJIANG COLLEGE OF J I A N G S U U N I V E R S I T Y 本 科 毕 业 论 文 我国中小企业融资研究 The research on small and medium enterprises financing inChina 学生学号： 学生姓名： 专业班级： 指导教师姓名： 张跃红 指导教师职称： 讲师 2012 年 6月我国中小企业融资研究 摘要 改革开放以来，我国经济高速发展，中小企业是经济发展中最为活跃的因素。在整个国民经济中发挥着重要的作用，为我国的经济增长做出了大的贡献。然而与中小企业的发展不相适应的是，我国的金融体制改革相对落后，中小企业的融资问题显得十分，占全国企业总数99%以上的中小企业占有的贷款资源不超过20%，其中77%面临资金短缺问题。我们必须解决这些问题，给中小企业融资创造条件，促使它们在未来发挥作用在发达国家和地区，中小企业在其国民经济中的比重相当高，如美国、英国、日本的国民经济中中小企业的比重都超过90%它们在发展中都或多或少的也遇到融资方面的困难。但是，政府为其提供了的支持，帮助消除障碍，使中小企业融资问题得到解决。通过具体的研究分析，在政策上进行调整和中小企业自身的完善，同样会中小企业的融资得解决的，从而推动国民经济的的发展。 中小企业融资难的呼声越来越大发展阻力越来越多中小企业在国民经济中的地位有长足的发展he research on small and medium enterprises financing in China Abstract Since the reform and opening up, Chinese economy develops very fast. Small and medium-sized enterprises play the most dynamic role in the course, contributing a lot to the Chinese economic growth. However, the financial system reform is relatively backward, financing of the SME faced up with severe difficulties, more than 99% of SME counting less than 20% of the loan resources, 77% of them experiencing financial shortage, which fails to fit in the SME development. In consequences, we must find the solutions. It is essential to create better conditions for the SME for their more important role in the future. In some developed countries and regions including the USA, the UK, Japan, small and medium-sized enterprises present more than 90% in national economy. They also met more or less the financing difficulties. But all kinds of substantial supports from government eliminate these barriers for them. According to concrete researches and analysis, we find another solution for the financing difficulties: self-perfection of the enterprises themselves through policies in order to promote the rapid economic and stable development. This paper reflects the increasingly sever