商业银行对中小企业开展融资问题与研究.doc

本 科 生 毕 业 论 文 题 目：商业银行对中小企业开展融资问题研究 专 业： 金融学 学生姓名： 刘璟 准考证号： 指导教师： 蔡荣鑫 完成时间 2012 年 10 月 20 日  学术诚信声明 本人所呈交的毕业论文，是在导师的指导下，独立进行研究工作所取得的成果，所有数据、图片资料均真实可靠。除文中已经注明引用的内容外，本论文不包含任何其他人或集体已经发表或撰写过的作品或成果。对本论文的研究作出重要贡献的个人和集体，均已在文中以明确的方式标明。本毕业论文的知识产权归属于培养单位。本人完全意识到本声明的法律结果由本人承担。 本人签名：刘璟 日期：2012-10-20  窗体顶端 商业银行对中小企业开展融资问题研究 【摘要】：中小企业在经济中占有很大的份额，对经济环境和政策的反应极为敏感，在缺乏差异化的宏观调控政策作用下，资金供求及其结构严重失衡，“融资难”现象在中小企业中表现更为突出。其原因包括：中小企业自身的信用度不够高，中小企业可抵押资产少，以及金融机制欠缺完善。而作为商业银行开展中小企业融资业务也存在一定的问题和困难，信息不对称、信用评级难、抵押担保难等等。征信立法十余年，但信用体制还未健全，可以看出当前我国的信用体系还需加速推进。本文阐述了中小企业的发展现状及所遇到的“融资难”问题，从温州危机事件中分析了中小企业的困境，并分别从中小企业自身、商业银行业特性及金融体制等三个方面探讨了中小企业的融资之路。 【关键词】：商业银行；中小企业；融资问题 【Abstract】：Small and medium enterprises in the economic account for a large share of the economy, environment and the policy response is very sensitive, in the absence of differences in the action of policy of macroscopical adjusting control, capital supply and demand and its structure are serious unbalance, " financing hard" the phenomenon in the small and medium-sized enterprise performance more prominent. The causes include: small and medium-sized enterprise's credit is not high enough, small and medium-sized enterprise mortgage assets may be small, and the lack of perfect financial mechanism. And as the commercial bank developing SMEs financing operations also exist some problems and difficulties, information asymmetry, credit rating, collateral is difficult etc. Credit legislation for more than ten years, but the credit system is not perfect still, we can see that the current credit system in our country needs to accelerate. This article elaborated the small and medium-sized enterprise development present situation and the " financing", from the Wenzhou crisis analysis of the predicament of medium and small businesses, and separately from the small and medium-sized enterprises, commercial banks and financial characteristics of three respects such as system of the small and medium-siz