中小企业融资状况分析——绍兴地区中小企业为例.doc

 毕业论文独创性声明 本人郑重声明所提交的毕业论文是本人在指导教师的指导下进行的研究工作及取得的研究成果。除文中特别加以标注的地方外，论文中不包含他人已经发表的学术成果或者他人为获得高等院校学位而使用过的材料，论文中不涉及任何知识产权纠纷。否则，本人将承担一切责任。 学生签名：____________ 日 期：____________ 摘 要 对于我国中小企业负债融资的财务风险与对策调查报告研究指出负债是现代企业融资的重要方式之一，负债融资是一把双刃剑，既能起到利息抵税、财务杠杆、降低资金成本等作用，也可能由于企业没有根据自身的生产经营状况及外部宏观环境的发展变化，盲目过度的进行负债融资，导致负债融资的不合理，一旦经营环境恶化，企业就会陷入到期不能偿还债务本息的危险处境。这对我国资本市场的改革和建设具有重要的现实意义。本文对绍兴地区中小企业进行入户问卷调查的基础上，以大量翔实数据为依据，结合现场访问、座谈获得的信息进行深入分析研究，对中小企业的发展历史、业务状况、财务管理、融资结构,以及金融机构、信用担保机构对中小企业融资服务的整体状况进行较全面的阐述,并提出改善中小企业融资环境的相关政策建议。 关键词：中小企业；调查分析；融资状况 Abstract Debt financing for financial risk and countermeasure of survey research points out that the debt is one of the important ways of modern enterprise financing, debt financing is a double-edged sword, both can have interest tax, financial leverage, to reduce the cost of capital, and so on, also may be due to the enterprise did not according to their own production and business operation status and the development and change of the external macro environment, blind excessive debt financing, debt financing is not reasonable, once the operating environment deteriorating, due cannot repay the debt principal and interest of companies would be in danger. The reform and construction of capital market in China has important practical significance. In this paper, the small and medium-sized enterprises in SX， on the basis of household questionnaire survey, based on a large number of detailed data, combined with the site visit, discussion to obtain information for further analysis and research, for small and medium-sized enterprise development history, business status, financial management, financing structure, and financial institutions, credit guarantee agencies for small and medium-sized enterprise financing services more comprehensive description of the situation of the whole and put forward relevant policy Suggestions to improve the financing environment of s