浅谈江西省民营中小企业融资问题及对策-毕业论文.docxVIP

密级：科学技术学院SCIENCE TECHNOLOGY COLLEGE OFNANCHANG UNIVERSITY学士学位论文THESIS OF BACHELOR（2011 — 2015年）题目：浅谈江西省民营中小企业融资问题及对策学科部：财经学科部专业：金融学班级：金融112班学号： 7044111065学生姓名：指导教师：起讫日期：2014年12月15日—2015年5月5日目录内容摘要- 2 -一、引言- 4 -二、民营中小企业概念、特征- 5 -（一）民营中小企业的界定- 5 -（二）民营中小企业的特征- 6 -三、江西省民营中小企业融资现状及问题- 7 -(一)江西省民营中小企业发展现状- 8 - (二）江西省民营中小企业融资现状及融资难的表现- 9 -（三）江西民营中小企业融资中存在的主要问题- 9 -（四）融资难困境的具体案例- 10 -四、江西省民营中小企业融资难的成因分析- 10 -（一）内部原因- 11 -（二）外部原因- 11 -五、解决江西省融资难问题的对策分析- 12 -（一）国家层面的应对策略- 13 -（二）金融机构的应对策略- 13 -（三）中小企业自身的应对策略- 14 -参考文献（References）- 15 -致谢- 16 -江西省民营中小企业融资问题及对策研究内容摘要：改革开放以来，民营中小企业在我国国民经济中地位日益突出。目前，我省民营中小企业大部分发展资金都来自自筹资金，外部融资过于依赖银行希望能够获得贷款，通过资本市场进行融资限制性因素众多，普遍存在融资门槛高、成本高的困境，使得融资规模十分有限，所获资金满足不了企业发展的需要。调查显示，民营中小企业融资难的原因主要来自政府、金融机构和企业自身。民营中小企业拥有贷款抵押物少、经营稳定性差、盈利能力弱、信誉度低是造成融资能力低下的内在原因，而银行与中小企业之间融资信息不对称、融资保障体系不健全是主要原因，而在政府管理下的金融体制不完善是更为深层的原因。关键词：民营中小企业融资难江西金融体制银行Financing of Private SMEs in Jiangxi Province and CountermeasuresAbstract：Since the reform and opening up, the private SMEs in the national economy increasingly prominent position. Currently, the province most private SMEs development funds come from self-financing, over-reliance on external financing bank wants to be able to get a loan, the limiting factor that numerous financing through the capital market, the prevalence of financing threshold is high, the high cost of the plight of such financing very limited scale, funds received can not meet the needs of enterprise development. Survey shows that the private financing of SMEs primarily attributed by the government, financial institutions and enterprises themselves. Private SMEs have less collateral for loans, operating stability is poor, weak profitability, low credibility is caused by the low financing capacity of the underlying causes, and between banks and SMEs asymmetric information, financial security system is not perfect is the main reason, the financial system is imperfect in the government is a more deep-seated causes.Keyword：Private SMEs Finan