河北省廊坊市中小企业融资问题应用研究.doc

摘要 随着中小企业在各国经济发展中角色的转变和作用日益突出，中小企业越来越受到社会各界的重视，同时其发展空间大和资金供给不足的矛盾也日益尖锐。在此背景下，研究中小企业的融资问题既有理论价值又有实践意义。在廊坊市的经济发展中，中小企业在促进经济发展、创造就业机会、增加财政收入、推动科技创新、繁荣市场等方面发挥着不可替代的作用。然而，在中小企业的成长过程中，却由于初期规模小、经营风险大使其在融资方面难以得到足够的支持，融资难己成为制约廊坊中小企业发展的瓶颈。 本文以中小企业融资问题为研究的中心问题，以廊坊市中小企业为主要研究对象。本文首先在导论部分界定了中小企业、融资等概念，同时也对中小企业对廊坊市国民经济的作用加以阐述。随后对廊坊市中小企业的现状及融资困境进行了分析，并分别从内源融资，外源融资等方面解释中小企业融资难的原因，分析了影响廊坊市中小企业融资约束的几个因素，包括：信息不对称、抵押担保难、贷款交易成本高、金融体系不完善以及中小企业自身的原因等。最后，结合廊坊市中小企业的实际情况，从金融深化、金融创新及拓宽融资渠道、构建中小企业信用评估体系和政府等方面提出解决方案。以期对廊坊市中小企业发展起到一定作用。 本文主要采用问卷调查和访谈相结合的方法，同时在廊坊市统计局、市中小企业局同志的协助下，获得廊坊市中小企业的相关资料，在此基础上进行定性、定量的分析。 关键词：中小企业 融资 政府 廊坊市 Abstract As the roles transition and contributions being greater during the economic development of various countries with SME, they receive more and more attention of the various circles of society .And contradiction of SMEs large development space and insuficient fund supply becomes sharp day by day at the same time. Under this background, probing into financing question of SME has both theoretical and practical value. During the economic development of Langfang , SME are playing important roles in promoting the growth of economy, creating the employment opportunity, increasing the fiscal revenues, motivating scientific and technical innovation, prospering the market etc. However, in the course of growth of SME, because of small scales in initial stage and business risks, its difficult for them to receive enough financing support. This restrains the development of SME of Hubei as bottleneck. This text regards financing question of SME as the central issue studied ,regarding SME of Lang Fang as the main research object. Firstly, the article makes the definition of SME and financing in introduction .At the same time, also expounding function of SME in lang Fang national economy . Difficult position has subsequently carried out analysis on current situation and financing of SME of Lang Fang , and making an explanation the cause of difficult financing from i