中小企业融资困境及解决方案.doc

河北大学工商学院2011届本科生毕业论文（设计） 中小企业融资难的原因与对策分析 摘 要 中小企业在吸收就业，促进科技创新以及活跃社会主义市场经济中起到了日益重要的作用，但是由于中小企业规模较小，信用水平有限，产权不规范且没有足够的信用担保物品。对于金融市场来说，信息严重不对称，在市场活动中，往往是经济效益的优先标准而忽略社会经济效益的发展，在股票和债券领域上没有形成一个规范的体系，准入制度较为严格。对于政府部门，主要是相应的配套设施不完善，没有科学合理的给企业和银行搭建有效的信息平台。本文主要从以上三个方面分析各自存在的种种问题以及现实的制约因素，为解决融资难的问题而提出相应的具体措施，另外，我们也可借鉴其他先进国家在中小企业融资问题的有效经验为我所用。共同致力于为中小企业发展创造一个良好的系统环境。 关键词：中小企业；政府；金融市场；融资 Analysis of financing of SMEs and Countermeasures ABSTRACT SMEs in the absorption of employment, to promote technological innovation and a vibrant socialist market economy has played an increasingly important role, but due to the smaller SMEs, credit is limited, property rights and non-standard items do not have enough credit guarantee for the financial market, severe asymmetry of information in the market activities, are often overlooked economic benefits of criteria of priority social and economic benefits of development, in the field of stocks and bonds do not form a specification of the system, access system is more stringent. For government departments, mainly the corresponding facilities inadequate, there is no scientific and rational for enterprises and banks to build an effective information platform. This article from each of the three aspects of the various problems and constraints of reality, in order to solve the financing problem and proposed specific measures, also we can learn from other advanced countries in the effective financing of SMEs experience I was using. Common commitment to the development of SMEs and create a favorable system environment. Keywords：Small and Medium-sized Enterprises；government；finance market；inancing 目　　录 HYPERLINK \l _Toc261745433 引 言 PAGEREF _Toc261745433 \h 1 引　言 在我国经济发展进程中，中小企业也已经发挥了越来了越重要的作用，但是由于自身的缺陷以及社会各机构的制度的不完善，中小企业融资难的问题越来越凸显，并且阻碍了他们进一步的发展壮大。据调查统计，我国中小企业的平均寿命周期为3.7年。在现阶段，中小企业健康发展的重要性与它所处的地位严重不对称。众所周知，中小企业之所以很难做强做大，一方面是市场决策失误，另一大方面主要是遭遇资金技术的难题，也就是融资困难的“瓶颈”。 造成我国中小企业融资难的原因，主要