十堰市中小企业的融资问题应用研究.doc

毕 业 设 计（论 文） 题 目： 十堰市中小企业的融资问题研究 院 系： 经济管理学院 专 业： 财务管理 班 级： KT953-6 学生姓名： 学 号： 指导教师：  摘要 近年来，随着我国经济的蓬勃发展，中小企业作为发展社会生产力的生力军和大型企业不可缺少的伙伴和助手，在我国国民经济中的重要地位日益彰显。据不完全统计，截止到2013年底，4200万家，；中小企业，52.2%的税收80%的就业在促进经济增长、缓解就业压力、优化经济结构等诸多方面。政策因素商业银行因素中小企业本身对中小企业融资难的问题进行分析并提出解决其困难Abstract In recent years, with the vigorous development of Chinese economy, SMEs have played an increasingly important role in Chinese national economy as forces in the development of social productive forces and indispensable partners and assistants of large enterprises. According to incomplete statistics, by the end of 2013, our business registration number of SMEs reached 42 million, which was 99% of the total number of enterprises in our country; SMEs contributed 58.5% to Chinese GDP, 52.2% to the tax paid, and 80% to employment. Obviously, SMEs have played a very important role in promoting economic growth and easing the employment pressure, optimizing the economic structure and many other aspects. However, along with economic development, SMEs are generally subject to the financing problems due to the the weak strength of economy, low level of credit, lack of collateral and other conditions, constraints. Located in the northwest of Hubei province, Shiyan is an industrial city where economic development is rather behind and SMEs occupy a large proportion of the enterprise, involving wide industries. Currently SMEs in Shiyan is also facing difficulties in financing, financing for a single channel, less banks lending and other issues. Based on the financing status of SMEs in Shiyan City, the following article will analyse the problem of financing difficulties of SMEs and propose countermeasures to solve their problems in terms of the factors such as national policies, commercial banks, SMEs itself and so on. The full text is divided into five parts: The first part ,introduction, describes the background, significance and research methods of the paper. The second part, an over