中小企业贷款难的原因与对策论文.docVIP

 毕 业 论 文 题 目: 中小企业贷款难的原因与对策 学院(直属系): 继续教育学院 年级、 专业: 2011级工商管理 学 生 姓 名: 饶 芳 学 号: 指 导 教 师: 完 成 时 间: 2014年 月 日 中小企业贷款难的原因与对策 摘 要：我国的中小企业在数量和质量上近年来都有了一定的发展，在促进就业、增加收入、推动技术进步、促进经济增长、保持社会稳定方面发挥着日益重要的作用。随之而来的中小企业的贷款难也受到了普遍的关注，解决中小企业贷款难的问题将极大的促进中小企业的发展壮大。本文分析了中小企业的贷款难的现状，并分析了形成中小企业贷款难的一系列原因，提出了中小企业贷款难的对策。 关键词：中小企业;贷款难;银行惜贷 The Causes and Countermeasures of Small and Medium-sized Enterprise Loans Difficulties Abstract: In recent years, small and medium-sized enterprises of our country has certain development in the quantity and quality. They are playing an increasingly important role in promoting employment, increasing income, pushing technological progress, promoting economic growth, maintaining social stability. Small and medium-sized enterprise loans difficulty has also received the widespread attention , Solve the difficult problem of SME loans will greatly promote the development and growth of SMEs.The paper analyzes the present situation and several causes of small and medium-sized enterprise loans difficulties, then puts forward some countermeasures for the difficulties. Key words: Small and medium-sized enterprise loans difficult Banks reluctant to lend 目 录 中小企业基本请况.................................................4 1中小企业贷款难的现状.................................................4 2中小企业贷款难的原因.................................................5 2.1中小企业自身的原因.................................................5 2.2银行信用单位惜贷.............................................6 2.3金融中介机构缺失.........................................7 2.4政府机构扶持不够............................................... 8 3解决贷款难的对策.............................................8 3.1中小企业自身的对策.................................................8 3.2银行信贷单位对策...............................................