中小企业的融资问题实证研究.doc

PAGE \* MERGEFORMATii 中小企业的融资问题实证研究 【摘要】中小企业的发展对国民经济起着至关重要的作用。中小企业的发展却受着各种融资问题的制约，本文通过对中小企业融资问题的状况分析造成这种融资困境的影响因素，并结合宁波市华禾商贸有限公司融资和龙口港物流链商品融资两个案例研究，分析了中小企业的融资问题以及提出了完善我国中小企业发展的对策。 【关键词】中小企业；融资；影响因素 An Empirical Study on the Financing Problems of SMEs Abstract：Small and medium-sized enterprises for the development of the national economy, plays a vital role. But the development of small and medium-sized enterprises lack of being affected by the problem of financing constraints, this paper through the analysis to the financing of small and medium-sized enterprises, pointed out the influence factors of the financing difficulties, and through the Ningbo City Hua Wo Trading Company Financing and Longkou port logistics chain commodity financing in two case studies, analyzes the financing problems of smes. And through the case analysis, put forward the Countermeasures for the development of small and medium-sized enterprises in china. Key words: Small and medium sized enterprises；The financing problem；Influence factors PAGE \* MERGEFORMAT 9 目 录  TOC \o 1-3 \h \z \u  HYPERLINK \l _Toc419410907 摘要  PAGEREF _Toc419410907 \h i  HYPERLINK \l _Toc419410908 Abstract  PAGEREF _Toc419410908 \h ii  HYPERLINK \l _Toc419410909 引言  PAGEREF _Toc419410909 \h 1  HYPERLINK \l _Toc419410910 一、中小企业融资状况的分析  PAGEREF _Toc419410910 \h 1  HYPERLINK \l _Toc419410911 （一）内源融资的严重不足  PAGEREF _Toc419410911 \h 1  HYPERLINK \l _Toc419410912 （二）外源融资困难  PAGEREF _Toc419410912 \h 2  HYPERLINK \l _Toc419410913 二、中小企业融资问题案例分析  PAGEREF _Toc419410913 \h 3  HYPERLINK \l _Toc419410914 （一）龙口港物流链商品的融资案例  PAGEREF _Toc419410914 \h 3  HYPERLINK \l _Toc419410917 （二）宁波市华禾商贸有限公司融资案例  PAGEREF _Toc419410917 \h 4  HYPERLINK \l _Toc419410920 三、中小企业的融资问题困境的成因  PAGEREF _Toc419410920 \h 5  HYPERLINK \l _Toc419410921 （一）盈利能力差  PAGEREF _Toc419410921 \h 5  HYPERLINK \l _Toc419410922 （二）抗风险能力差  PAGEREF _Toc419410922 \h 5  HYPERLINK \l _Toc419