吕彬_1218010424_国有企业和中小企业的融资渠道之商业银行贷款的对比.doc 。.docx

山西师范大学本科毕业论文 国有企业和中小企业的融资渠道之 商业银行贷款的对比 姓 名吕彬院 系经济与管理学院专 业财务管理 班 级学 号1218010424指导教师陈燕丽答辩日期成 绩 国有企业和中小企业的融资渠道之商业银行贷款的对比 内容摘要 融资在保证一个企业的资金链的完整性发挥了重要的作用，而我国的国有企业和中小企业在融资方面面临着不同的问题。本文研究了商业银行贷款在国有企业和中小企业的融资渠道中的地位，通过分析对比得出结论：由于国有企业的特殊性使得国有企业通过银行贷款进行筹资时，不仅贷款申请的成功率较高，而且还享有相对较低的贷款利率和较长的还款期限；而中小企业规模小、信用低，申请银行贷款的门槛???，相较于国有企业在贷款融资上处于弱势。在得出结论的基础上，本文从融资渠道的角度对国有企业、中小企业提出了建议。 【关键词】国有企业 中小企业 融资渠道 银行贷款 The comparison of commercial bank loan of the state owned enterprises and small and medium sized enterprises Abstract In this paper, we study the status of commercial bank loans in the state-owned enterprises and small and medium-sized enterprises financing channels,through analysis and comparison, a conclusion is drawn: due to the particularity of state-owned enterprises of the state-owned enterprises through bank loans for financing always, not only apply for a loan of higher success rate, but also enjoy relatively low loan interest rates and longer repayment period; and the small and medium-sized enterprise scale is small, low credit, the high threshold for applying for a bank loan, compared with the state-owned enterprises in financing disadvantaged. On the basis of the conclusion, this paper puts forward suggestions to the state-owned enterprises and small and medium-sized enterprises from the angle of financing channels. 【Key Words】State-owned enterprises Minor enterprises  HYPERLINK / \l auto/auto/financing channel \t _blank Financing channel  Bank loans 目录  TOC \o 1-3 \h \z \u  HYPERLINK \l _Toc451317559 一、银行贷款在企业融资结构中的地位与作用 1  HYPERLINK \l _Toc451317560 （一）我国企业的融资渠道 1  HYPERLINK \l _Toc451317561 （二）商业银行贷款在国有企业融资渠道中的地位 1  HYPERLINK \l _Toc451317562 （三）商业银行贷款在中小企业融资渠道中的地位  PAGEREF _Toc451317562 \h 2  HYPERLINK \l _Toc451317563 二、国有企业和中小企业的融资渠道之银行贷款的差异对比分析 3  HYPERLINK \l _Toc451317564 三、结论与建议 5  HYPERLINK \l _Toc451317565 （一）主要结论 5  HYPERLINK \l _Toc451317566 （二）对我国企业融资渠道的建议 5  HYPERLINK