浅析中小企业的融资难问题及对策 毕业论文.doc

浅析中小企业的融资难问题及对策 摘要：改革开放以来，我国中小企业发展迅猛，已经成为我国国民经济的重要组成部分，特别是在解决就业和拉动经济增长方面具有非常重要的作用。可是尽管近年来我国的中小企业发展非常迅速，在国民经济中的地位也不断加强，但中小企业的发展也面临着一些难题，融资困难就是其中之一。造成我国中小企业融资难的原因有企业自身，也有金融系统的不完善和政府的政策，但我国中小企业融资困难的问题俨然已成为制约中小企业发展最大的“瓶颈”，成了阻碍我国国民经济健康、持续发展的巨大障碍。因此，帮助企业解决融资难题将是对我国中小企业经济发展具有十分重要的意义。 关键词： 中小企业 融资 信用贷款 Study on SME financing difficulties and countermeasures Abstract: Since the reform and opening，small and medium-sized enterprises in china is developing rapidly, China’s national economy has become an important part of，especially in solving the employment and boosting economic growth plays a very important role. Although in recent years the medium and small enterprises in China found very quickly and status in the national economy, but also continuously strengthen the development of small and medium-sized enterprises is faced with some problems, the financing difficulties is one of them. Result in the financing difficulties of small and medium-sized enterprises reason is their own business, also have the financial system not perfect and the policy of the government, but our country financing difficulties of small and medium-sized enterprises problem peremptory constraints SME development has becomes hinder our national economy healthy and sustainable development of huge obstacle. Therefore, help enterprise resolving financing difficult problem will be for china’s SME economic development has the extremely vital significance. Keywords: small and medium-sized enterprise financing credit loans 目 录 1、我国中小企业的融资现状及环境分析 4 1.1 中小企业的融资现状分析 4 1.2 中小企业融资环境分析 4 1.2.1 内源融资 4 1.2.2 外源融资 5 1.2.3内源融资和外源融资的关系 6 2、我国中小企业融资难的因素分析 6 2.1 中小企业融资难的自身原因 6 2.1.1中小企业存在过高的经营风险 6 2.1.2 中小企业的社会信用偏低 6 2.1.3 中小企业的财务状况缺乏透明度 7 2.1.4 中小企业缺乏现代经营管理理念 7 2.1.5 缺少可供担保抵押的财产，融资成本高 7 2.2 银行方面对中小企业融资的影响 8 2.2.1缺乏专门为中小企业服务的银行 8 2.2.2 缺少国有商业银行的支持 8 2.3 政府方面对中小企业融资的影响 8 2.3.1政府政策支持力度不够 8 2.3.2对中小企业的政策性歧视 9 2.3.3 支持中小企业发展的政策和法律体系不够完善 9 2.3.4 中小企业信用担保机制不够健全 9 3、解决我国中小企业融资难的对策 10 3.1 规范中小企业自身建设，全面提高 10 3.1.