小微企业融资困境及对策分析大学本科毕业论文（设计）（设计）.docVIP

本科毕业论文（设计、创作） 题　　目：　　　小微企业融资困境和对策分析　　 　 　　　　　　 　　　　　　　　　 　　　  小微企业融资困境和对策分析 摘 要 小微企业是我国经济的重要组成部分，在我国经济社会中具有特殊的重要地位。据统计，中小企业中90%属于小微企业。截至2012年上半年，我国中小企业（含小微企业）对中国GDP贡献超过60%，创造税收比超过50%，提供超过70%的就业岗位，并创造了中国80%的城镇就业。重视和扶持小微企业的发展是政府的一项重要课题。2011年，全国多个地区的小微企业发生债务危机，资金链断裂，企业倒闭，老“跑路”，小微企业面临着严峻的融资问题。虽然国家先后出台了一系列扶持小微企业的政策，使小微企业的融资困境得到了一定的改善，但融资难依然是制约小微企业发展的重要性因素。因而对小微企业的融资困境进行研究并提出相应的对策具有重要的现实意义。本文将着重分析小微企业融资困境的现状及其成因。并在借鉴国外先进经验基础上，结合中国国情，提出相应的一些有效的解决策略。 Small and micro enterprises are important components of China’s economy and they play an important role in country’s development. According to the latest record, 90% of medium-sized and small enterprises are small and micro enterprises. By the first half year of 2012, medium-sized and small enterprises have contributed more than 60% of our GDP, produced more than 50% of tax revenue, provided about 70% of the job supply, and led to a high town employment of 80%. As a result, it has been an important task for government to support and improve the development of small and micro enterprises.in 2011, many small and micro enterprises broke out because of financing crisis, capital chain rupture, business insolvency, and boss’ away. So no one can deny that small and micro enterprises are facing severe financing problems. Government has put forward a series of policies on them and the situation is also improved to some extent, but difficulty on financing is still the most important factor that limits the development of small and micro enterprises.so, it is very significant to research the situation and point out some effective countermeasures. In this essay, the specific description of the current situation of small and micro enterprises and possible reasons for this situation will be discussed in detail, and the countermeasures by combining the lessons from other counties and basic national condition of China will also be put forward. Key words: Small and micro enterprises; developing situation; commercial bank;