毕业论文金融类分析.docVIP

摘 要 目前我国中小企业的融资是异常艰难的，随然在改革开放以后我国的经济飞速发展，但是在金融行业方面，金融供给对于中小企业的飞速发展是难以为继的，而中小企业又在飞速发展的过程中不断对金融行业产生更多的诉求，在融资渠道方面，渠道的不畅通以及融资的困难都成为了阻碍中小企业发展的瓶颈。由于中小企业本身的资金方面，本身相对于大企业来说，资金就是一个桎梏，因此，在中小企业的发展过程中，越来越需要对外融资，主要包括权益资本融资以及债务资本融资。2004年中小板的成立在一定程度上拓宽了中小企业融资的渠道，但是入市的种种限制以及政策上的扶植力度不足，以及证券市场的缺陷和市场发展本身的状况导致了很多中小企业难以真正在证券市场发展，造成了中小企业的融资仍处于不利的境地。 现在的很多中小企业由于上文所提到的发展方面的问题，导致其主要融资渠道仍在银行贷款方面，目前超过六成的中小企业仍然需要贷款方面的扶植，导致企业在自我运行上很大程度依赖于银行，没有自主权；第二个方面，国有企业以及重点扶植企业对于资金的需求量过大，商业很行很大一部分资金需要投入到期中，这在自己的充足度方面也成为中小企业贷款的一大难题；最后一个方面，由于商业银行本身也有自己的风险管理需求，导致在对于中小企业的贷款方面审核以及抵押较为苛刻，也导致了商业贷款的不顺畅。 基于以上的分析，目前我国中小企业债务融资处于一个异常尴尬的境地。导致了现在中小企业在发展上的很多问题。 关键词：中小企业；融资；解决方案 Abstract At present our country small and medium-sized enterprise financing is very difficult, but with the reform and opening up of Chinas rapid economic development, but in the financial industry, the rapid development of financial supply for small and medium-sized enterprise is difficult to continue, and small and medium-sized enterprises in the rapid development process continuously generates more demand on the financial industry, in the financing channel, the channel is not smooth and financing difficulties have become the bottleneck of the development of small and medium-sized enterprises. Because of small and medium-sized enterprises own funds, itself relative to large enterprises, capital is a fetter, therefore, in the process of the development of SMEs, needs more and more foreign financing, including equity financing and debt financing. Was founded in 2004 and broaden the financing channels to a certain extent, but the restrictions into the market and policy support dynamics is insufficient, the State Development and defects and market securities market has led to many small and medium-sized enterprises to the development of the securities market, resulting in the small and medium-sized enterprise financing is still in the negative position. Now a lot of small and medium-sized enterprises due to development of above mentioned problems, le