(参考)我国中小企业融资的现状与对策研究.docxVIP

继续教育学院毕业设计（论文）题目建设项目的计价与控制研究专业会计学姓名王小二学号5191211120指导教师李大成起讫日期2015.12.20～2016.05.102016年 05月10日我国中小企业融资的现状与对策研究摘要据统计，我国中小企业创造的最终产品和服务价值占国内生产总值的比重超过60%，纳税总额占国家税收总额的一半以上，完成了60%以上的发明专利和80%以上的新产品开发，无可争议地占据了我国经济版图的“半壁江山”。中小企业数量庞大，遍布各行各业，已经成为我国经济体中最具创新、最具活力、最具潜力的市场主体，在促进国民经济发展、解决就业、增加财政收入等方面都发挥着不可替代的作用。国家也高度重视中小企业的发展，把促进中小企业发展作为国家发展战略的重要组成部分，把扶持中小企业发展作为一项重要的经济政策。但是，中小企业“强势弱位”的状况没有得到根本改观，尤其是融资方面，对经济的贡献与其获得的金融支持极不对称。由于中小企业规模小、实力弱、资金少，在当前金融危机的影响下，中小企业融资陷入更加尴尬的境地，很容易产生资金链断裂、融资困难，甚至面临破产的风险。近年来中小企业融资困难的问题逐渐成为制约我国经济发展的一个关键因素，如何解决中小企业融资难的问题已成为当前政府及金融界关注的热点。关键字：中小企业；融资；困难Research on the Financing Actuality and Countermeasure of Chinese Small and Medium-sized EnterprisesAbstractAccording to statistics, the final product and service value created by Chinas small and medium enterprises accounted for the proportion of GDP more than 60%. The total tax of SMEs accounted for more than half of the countrys total tax. SMEs in China completed the more than 60% of invention patents and more than 80% of new product development. So, the SMEs indisputably occupied the half of our countrys economic territory. The number of SMEs is quite large and it involved in all walks of life. The SMEs have become the most innovative, the most dynamic and the most potential market players in Chinas economy. It plays an irreplaceable role in promoting national economic development, solving employment, increasing financial income and so on. Countries also attach great importance to the development of SMEs. Promoting the development of SMEs has being an important part of the national development strategy, and supporting the development of SMEs has being an important economic policy. However, the strong advantage and weak status situation of SMEs has not been fundamentally changed, especially in financing. Its contribution to economy and financial support is extremely asymmetric. Under the impact of the current financial crisis, due to the small size, weak strength, less capital, SMEs financing falls into a more e