毕业论文终稿zuixin.doc

诚信申明 本人申明： 我所呈交的本科毕业设计（论文）是本人在导师指导下对四年专业知识而进行的研究工作及全面的总结。尽我所知，除了文中特别加以标注和致谢中所罗列的内容以外，论文中创新处不包含其他人已经发表或撰写过的研究成果，也不包含为获得北京化工大学或其它教育机构的学位或证书而已经使用过的材料。与我一同完成毕业设计（论文）的同学对本课题所做的任何贡献均已在文中做了明确的说明并表示了谢意。 若有不实之处，本人承担一切相关责任。 本人签名： 年 月 日 中小企业“融资难”面临的问题及对策 ——以北京财富时代投资担保有限公司为例 赵朔 财务管理专业 财管0807 学号:080502211 指导老师 史琳讲师 王国庆助教 摘 要 中小企业融资难是困扰中小企业发展的主要问题，而中小企业在经济和社会发展中又起着重要作用，所以解决其融资难的问题亦成为当务之急。但是面对当前中小企业外部融资环境很难有突破性改善的情形下，中小企业很有必要根据自身的需求，选择自己需要和适合自己发展阶段的融资方式,确定合适的融资规模以及制定最佳融资期限，做出最优化的融资决策，从而实现公司效益的提升。本文通过了解国内外研究现状，分析了北京财富时代投资担保有限公司的融资环境，通过利用科学、完善的融资理论和融资方法分析企业的融资策略，帮助企业找到最优化的融资方案。 关键词：中小企业 融资难 最优化融资决策 Difficult Financing of SMEs and Countermeasures —— A Case Study of Fortune Times Investment Guarantee Co.，Ltd. Abstract That SME financing difficulties is the main problem ,which plagued the development of small and medium-sized enterprises. However，it play an important role in the economic and social development So to solve difficult problem of financing has also become a priorityBut the face of the current SME external financing environment is difficult to breakthrough to improve .SMEs is necessary according to their own needs，determining the appropriate scale of financing and to develop the best financing terms suited to their stage of development，making the best financing decisionsIn order to achieve the enhancement of the effectiveness of the company. By understanding the research status at home and abroad. I analysis of the current financing environment in SMEs in China. The scientific financing theories and methods. To help businesses find the optimal financing options. . In the process of writing, this paper decrypts the specific circumstances of company, which reflects the theory with practice. Key words: SMEs Difficulties in financing Optimal decision- makin