南通市小微企业融资现状与对策研究--本科毕业论文.docVIP

本 科 毕 业 论 文 南通市小微企业融资现状与对策研究 Nantong Small and Micro Firms Financing Situation and Countermeasures Research 南通市小微企业融资现状与对策研究 摘要： 小微企业在我国经济发展过程中起到了巨大的推动作用，是我国经济的重要组成部分。小微企业的发展在增加就业、经济增长、社会稳定等方面起到了非常大的促进作用。但是当前小微企业发展过程中存在严重的融资问题。小微企业发展的重要推动力是充足有效的资金供应，因此解决小微企业的融资问题能促进我国经济更好更快的发展。 目前对小微企业融资问题的研究大多从全国的角度出发，从宏观层面探讨小微企业融资问题，对解决区域性企业融资问题效果不明显。本文主要研究地区小微企业的融资问题，以南通小微企业为研究对象，首先从理论上阐明了小微企业在经济发展中的作用，指出解决小微企业融资问题的重要性；然后陈述了小微企业的融资方式和融资特征，更好地了解了现有的融资方式，以便创新更有针对性的融资渠道；接着对南通小微企业现有的融资现状进行了阐述，用以探究其存在的问题，分析成因，点明解决融资问题对小微企业发展的迫切性；最后，对南通小微企业融资问题提出了企业、金融机构和政府这三方面的解决对策。 本文旨在对南通市小微企业的融资现状进行分析，找出小微企业融资过程中存在的问题，进而从提高小微企业盈利能力，加强金融机构服务和落实政策支持三方面提出了促进小微企业融资的对策措施，以加快小微企业的发展，推动经济的增长和社会的进步。 关键词：南通市 小微企业 融资 Nantong Small and Micro Enterprises Financing Situation and Countermeasures Research Abstract：Small and micro enterprises played a huge role in promoting Chinas economic development,it is an important part of our economy in China.Development of small and micro enterprises will promote employment,economic growth, social stability and technological innovation better too.However,there are serious problems with financing for them.The shortage of funds make them lack of motivation to develop,so solving these problems will make them develop better and faster. Currently, research on the financing of small and micro enterprises are mostly based on the national perspective,and the area is so wide.It is ineffective to solve the problem of regional corporate finance . The paper studies financing of small micro enterprises in Nantong,first,theoretically clarify the role of small and micro enterprises in economic development, pointing out the importance of addressing the problem of financing small and micro enterprises;then stated financing methods and financing characteristics of small and micro enterprises,to better understand the existing financing methods for more targeted innovative financing channels;then elaborated the status of the existing financing small and micro enterprises in Nantong