我国中小企业融现状、问题和对策研究.doc

我国中小企业的金融机构融资之路研究 班级:金融1221班 姓名:李 锐 学号: 摘要： 近年来我国中小企业发展迅猛成为国民经济一个重要亮点但融资问题却成为中小企业发展的主要瓶颈。世界各国经验表明融资难是中小企业发展中一个最普遍最关键的制约因素。当前我国正处于体制转型和结构调整的特殊历史时期中小企业融资问题显得更为复杂研 究和反映这一问题具有重要的现实意义。 关键词：融资能力 金融机构 参考文献: [1]郭斌 刘曼露 《民间金融与中小企发展》2007 [2]陈飞 《经济研究》2008 [3]陈星 赵尚梅 《中小企业融资问题研究》 [4]戴碧波 《基于金融危机的企业微观层面的思考》2009年第三期 [5]方志勇 《中小企业融资现状及对策分析》2006.06 [6]陆军 《金融危机下中小企业的生存之道》2009.2.28 for examination and approval, to return part or all of the loan in advance. 5.8 contract contract specific requirements: first, the borrower and other clients; Second, loan person double charge and other parties signed a contract with the borrower and agent signature of contract; Third, customers signed loan contract, contract of natural person, must be checked and fingerprinted by himself, you may not use personal name instead be signed, shall not authorize others to sign; Four, the pledgor, mortgagor due to special reasons not to sign the contract, may authorize others to sign the contract and retained after the notary notarized power of Attorney (parties abroad, outside the territory of China sent or delivered by a power of attorney shall be certified by the notary public of the country, and certified by the Embassy or Consulate in the country). Agent required to audit mandates are clear, the content is complete (a power of Attorney sample record form five), whether the expiration date within PART_STORE_00102). Rule2 2nd set of goods was moved to the 2nd from the left the cage inside the vehicle Click on smart properties of oriented window screen to the right of [login rule] the period of validity, and audit the original identity card of the authorized person, and keep copies. Contracts signed by the authorized person authorized, in the signature bar marked authorized person, and signed by the authorized persons name; Five, contract signing and client identity, signature, fingerprint is clear; Six, fill in