33样板论文(朱哲).doc

哈尔滨理工大学学士学位论文 PAGE II - - -  PAGE VI - 民营中小企业的融资渠道问题研究 摘要 中小企业在世界各国都是国民经济中的一支重要力量，随着我国社会主义市场经济的逐步建立和完善，中小企业也日益显示出举足轻重的地位。我国改革开放20多年来，民营中小企业得到了蓬勃的发展，为社会贡献了75%以上的就业岗位，是中国经济快速发展的源动力。然而，民营中小企业融资难，融资渠道不畅通一直是困扰着民营中小企业发展的瓶颈。 论文首先阐述了研究民营中小企业融资渠道的背景及问题的提出，对国内外关于中小企业融资渠道研究动态进行了简要介绍，叙述了相关概念的界定，然后陈述了本文研究的方法与内容。接着进行了我国民营中小企业融资渠道现状的分析，并探讨了民营中小企业融资渠道中存在的主要问题，并且列举了对外国中小企业融资渠道发展方式的借鉴。最后，提出了解决民营中小企业融资渠道障碍的对策建议。即从改善国家和政府对民营中小企业投融资的支持；提高民营中小企业的自身素质；改善金融机构和金融市场与民营中小企业之间的融资渠道三方面入手。总之，使政府、民营中小企业、金融机构与金融市场等各种力量相配合，才能从根本上解决我国民营中小企业融资渠道狭窄和融资难的问题。 关键词　民营中小企业；中小企业；融资渠道 Study on the Financing Channel Problems of Private SMEs Abstract Small and medium-sized enterprises (SMEs) have played a significant part in national economy of all countries. With the establishment and consummation of the market economy of socialism in our country, SMEs have become an increasing role in this economy system. Private SMEs have been developing rapidly in the past 20 years since the Reform and Open-up Policy was carried out, which provide more than 75% employment opportunities and have become the primary source of the booming economy. However, the difficult of financing problems and financing channels have long restricted the development of the SMEs. At first the article proposed background, goal and significance of the research on SMEs of financing channels in China, then it analyzes theory from domestic and foreign about SMEs of financing channels and explores reasons of impeded financial channels，followed by this article s mentality and method. And then it presents an analysis on the present situation of financing channels for domestic private SMEs, discussing the main problems of the financing channels, and gives the examples of financing channels for Foreign SMEs. Finally, it has offered the solution to overcome the difficulties from the financing channels. That is to increase the investment from the government and the country, to improve their inner quality and to enhance the financing channels amon