浅析中小企业融资困难论文件摘要目录.docVIP

【中文摘要】 改革开放至今，民营中小企业经过长足的发展，作为经济社会发展不可缺少的组织细胞, 在促进经济发展、扩大社会就业、提供社会服务、增加财政收入中发挥着举足轻重的作用，同时在我国国民经济中发挥着越来越重要的作用。 中小企业的发展需要强有力的金融支持，但由于企业自身和我国经济体制等多方面的原因，致使我国中小企业普遍存在的融资难的问题。 目前存在的融资困境是制约我国中小企业发展的最重大的瓶颈因素。形成我国中小企业融资困境的原因，除了西方发达国家存在的共性因素即中小企业信用水平低，银企信息不对称所致的信贷配给因素外，更重要的是中国特有的体制性原因和市场发育不完善等因素：国有金融垄断条件下的金融结构与经济结构不对称，对中小企业债务和权益资产融资歧视性政策，金融抑制下的利率管制，中小金融机构制度供给不足，政府政策支持体系如抵押担保体系缺乏等。 论文主要从两个层面进行了研究，第一个层面对目前我国中小企业融资困境的现状进行了分析，进而深入地剖析形成中小企业融资困境的深层次原因，第二个层面便开始逐章针对融资困境形成原因进行相应的对策研究，形成系统的、立体化的可操作的金融支持体系。 【关键词】中小企业；融资困境；现状；对策 Abstract：Since the adoption of China’s opening and reform policies, China’s small and medium sized enterprises have experienced a long-term growth and already become an important part of national economy and a main force to support its rapid and continuous growth. The development of small and medium-sized the need for a strong financial support, but because of their own and Chinas economic system, and many other reasons, led to Chinas difficulties in financing for small and medium-sized widespread problem. The factors which influence the credit circulating funds of SMEs of our country are: SMEs?peoor credit level, the credit ration factor caused by unsymmetrical banking information, unsymmetrical financial institution and economic structure under national financial monopoly condition, insufficient systems providing of the middle and small financial institutions, and lacking supporting systems of government policy. The paper discusses the issue from two aspects. Firstly, analysed the current situation of the difficulties of SMEs?financinng in China and the deep reason that lead to those difficulties. Secondly, according to different reasons, developed corresponging coutermeasure so as to establish a systematic, solid and operable financial supporting system. Keywords：small and middle-sized enterprise (SME); financing difficulty; financing; countermeasures 目 录 摘 要............................................................1 Abstra