中小企业融资现问题及对策.docVIP

Researches on the problems and solutions of SME financing status quo 摘 要： 中小企业在我国国民经济中发挥着不可替代的作用，但恶劣的融资环境严重地制约甚至危及着中小企业的生存和发展。文章介绍了我国中小企业融资现状及特点，分析我国中小企业融资渠道及面临的困境，提出缓解中小企业融资难的对策。本文研究成果将对解决中小企业融资难问题提供一定借鉴意义。 关键词：中小企业 融资 对策分析 SME financing Countermeasures 1.我国中小企业现状 1.1中小企业发展及现状 不论在发达国家还是在发展中国家， 中小企业都是国民经济的重要经济支柱。 中小企业在提高国民经济生产、促进科技进步、增加就业、扩大出口等方面，发挥着不可替代的作用。自改革开放以来，我国的中小企业发展迅速，在国民经济和社会发展中的地位和作用日益增强。 截至2011年5月，我国中小企业数已超过4000万户，占全国企业总数的99%以上，中小企业进出口总额占69%，开发新产品占82%以上。 中小企业工业总产值、销售收入、实现利税分别占总量的60％、57％和50％；流通领域中小企业占全国零售网点的90％以上；中小企业大多数从事第三产业，贴近市场，贴近用户，活跃在市场竞争最为激烈的领域，是市场经济的主体和市场体制的微观基础；中小企业创业及管理成本低，市场的应变能力强，就业弹性高，是社会就业的主要场所，国有企业的下岗职工、农村剩余劳动力主要集中在中小企业中再就业。 中小企业为社会提供了近80%的就业岗位。 Both in developed and developing countries, SMEs are an important economic pillar of the national economy. SMEs in improving the national economy and promote scientific and technological progress, increasing employment, expanding exports, etc., play an irreplaceable role. Since the reform and opening up, the rapid development of Chinas SMEs, the status and role in the national economy and social development is growing. As of May 2011, the number of SMEs in China has more than 40 million, accounting for more than 99% of the total number of enterprises, SMEs account for 69% of total imports and exports, development of new products accounted for more than 82%. SME industrial output value, sales income, and profits accounted for 60% of the total, respectively, 57% and 50%; circulation SMEs account for over 90% of national retail outlets; SMEs are engaged in the tertiary industry, close to the market, close to the user, are active in the most competitive areas of the market, is the main micro-foundation of the market economy and the market system; low-cost small and medium business and management, strong resilience of the market, the employment elasticity is high, is the main place of social employment, the state-owned companies laid off workers, mainly in the rural surplus labor force in the re