我国中小企业信难问题研究毕业论文.docVIP

毕业设计论文 我国中小企业信贷难问题研究 Study in China is difficult for SMEs 摘要 目前，我国中小企业发展迅速，对国民经济的贡献度越来越大，己经成为区域经济发展的强力助推。但是，中小企业贷款难问题已成为困扰其发展的瓶颈。因此，正确认识和有效解决中小企业贷款难问题具有重要的现实意义。中小企业贷款困难,既有银行方面的原因企业方面的原因, 方面是同等重要的。因此,要从根本上改变中小企业贷款难的困境,必须从提升中小企业信用和推进银行制度改革方面下大力气,构建有效的中小企业信贷服务及其支持体系。中小企业? ? 研究 Study in China is difficult for SMEs Abstract At present, the rapid development of Chinas small and medium enterprises, the contribution to the national economy growing, has become a powerful boost regional economic development. However, the problem of financing for SMEs has become plagued its development bottleneck. Therefore, the correct understanding and effective solution to the problem of financing small and medium enterprises has important practical significance. In this paper, credit facilities for SMEs difficult situation and analysis of the causes and put forward specific policy proposals put forward small business loan difficulties, both the government reasons, the reasons for banks, but also on their own reasons, the three are equal important. Therefore,To fundamentally change the plight of small and medium enterprises in getting loans, we must increase the Governments support for efforts to enhance the credit environment for SMEs and promote the reform of banking system, great efforts in three areas, building an effective credit services to small and medium enterprises and their support system. Key words: Small and medium-sized enterprises， financing problem, Countermeasures. 目录 摘要 I Abstract II 1 序论 1 1.1 研究的原因、目的与意义 1 1.2 国内外研究文献综述 2 1.3 研究的主要内容 2 2 本论 2 2.1 国内外中小企业信贷难问题现状 2 2.2 中小企业信贷难问题原因分析 4 3.1 解决中小企业信贷难问题的对策建议 5 3 结论 7 参考文献 12 致谢 13 1 序论 1.1 研究的目的与意义 中小企业在我国国民经济中的地位是非常重要的，其数量达2930万户，占我国企业总数的95％以上，在GDP当中，有51％是中小企业所创造的，出口中占到60％以上，中小企业完成的税收去年占到全国的43.2％。众所周知，一个地区经济收入增长的重要源泉就是来自工业化，而工业化要持久就必须发展中小企业，同时中小企业还具有重要的产业配套功能。可是长期以来，中小企业难成为困扰中小企业发展的重要制约因素。在我国，按现有的有关贷款通则和有关规定，限制得比较严，对于中小企业而言，普遍都比较难。按原国家经贸委统计，约有80％的中小企业存在贷款难问题。尽管近年来，国家加大了扶持中小企业发展的力度，积极引导并协调商业银行加大对中小