中小企业融资困境与对策研究概要1.doc

中小企业融资困境与对策研究 Study on Small and Medium-Sized Enterprises’ Financing Difficulty and Decision 学院名称： 专业班级： 学生姓名： 指导教师姓名： 指导教师职称： 2013 年 5 月 摘要 中小企业是国民经济的重要组成部分，在促进经济增长、稳定社会秩序、提供就业机会、促进技术创新等方面都发挥着极其重要的作用，但是随着经济的发展，中小企业在发展中的一些问题也逐渐显现出来，其中最为突出的就是融资问题。如何解决中小企业的融资困难，从而为中小企业的持续发展创造健康的氛围，已经成为一个关系到我国经济稳定增长的迫在眉睫的难题。因此，研究我国中小企业融资困境并给出对策研究具有重要的理论意义与现实意义。 本文阐述了研究的目的、意义、方法和结果，首先,分析了我国中小企业发展对国民经济的重要意义；其次，主要分析了我国中小企业融资的现状和特点；再次，对我国中小企业融资困难的自身原因和外部环境进行分析；最后，提出解决中小企业融资难问题的可行性对策。 本文结合我国目前的经济特点及现状，尝试性地找出一些现实对策，以期能够对根本解决这一难题，使我国中小企业真正摆脱融资困境，从而为我国经济发展作出力所能及的贡献，实现我们的“中国梦”。 关键词 中小企业 融资困境 融资对策 Abstract AS an important part of the national economy , Small and medium-sized enterprises(SMEs) play an extremely important role in promoting economic growth,stabling social order,providing employment opportunities,promoting technological innovation and so on．But with the development of economy, some problems in the development of small and medium-sized enterprises have gradually emerged, the most prominent is the financing problem.HOW to solve the financing difficulties of SMEs,so as to create a healthy atmosphere for the continued development of SMEs, has become a matter of the pressing problems China’s steady economic growth.For these,researching these problems and giving solutions are theoretically and realistically important． This paper describes the research purpose, significance, methods and results.Firstly,to analyzes the important significance of the development of small and medium-sized enterprises of our country to the national economy;Second,the author mainly analysis of the status and characteristics of SMEs financing in China．hirdly, to analyze its causes of the financing difficulties of small and medium-sized enterprises of our country and the external environment;Third,to give some solutions on the difficulties． We tried to bring out some realistic soluti