企业融资难问题探究.docVIP

中小企业融资难问题的探究 （Explore the problem of financing SMEs） 学院：经济学院 班级：金融0902班 指导老师：余海峰 姓名：于盼盼 学号：0120919630318 中小企业融资难问题的探究 Explore the problem of financing SMEs 摘要：中小企业是一个富有活力的经济群体，是国民经济的重要组成部分，在促进我国经济繁荣、就业增加、推动创新、催生产业等方面，发挥着越来越重要的作用，然而，融资难的问题一直困扰和制约着中小企业的发展。中小外贸企业融资难是困扰企业生存和发展的现实问题，在当前存款准备金率已调到历史最高位，银行信贷紧缩的形势下，这一问题再度凸显。中小企业通常实力较弱，资信程度不高。这些企业抵抗市场风险的能力不强，中小企业融资困难的主要原因存在于多方面。因此，要多渠道为中小企业发展筹集资金；实行政策扶持，政府主导，立足地方，市场运作，化解风险；加大对中小企业的融资力度，支持中小企业的发展，必须建立面向中小企业的融资体制本文在分析我国中小企业的融资特点的基础上，对中小外贸企业融资难的原因进行经济学解读，并提出相应的解决对策。 a vibrant economic groups, is an important part of the national economy, in promoting Chinas economic boom, increase in employment, promoting innovation that gave birth to industries such as playing an increasingly important role, however, the issue of financing and has been plagued by restricting the development of SMEs. Foreign trade enterprises financing difficulties of small and medium enterprise survival and development of troubled real problem, in the current deposit reserve rate transferred to the historical high, the credit crunch situation, once again highlighted the problem.。SMEs are usually weak and credit is not high. These companies the ability to resist market risk is not strong, the main reason for SME financing difficulties exist in the manifold. Therefore, multiple channels to raise funds for the development of SMEs; support the implementation of policy, government-led, based on the local, market, and resolve risks; to increase financing for SMEs, supporting the development of SMEs, must be established for SMEs financing system. In this paper, analysis of the characteristics of small and medium sized enterprises on the basis of the financing, the financing of small and medium sized foreign trade enterprises for economic reasons for the difficulty reading, and the corresponding countermeasures. 关键词：融资信用体系体制改革Financing credit system reform 随着中国经济的持续高速发展和对外开放的进一步展开，越来越多的中小型企业在国内涌现。根据目前官方对于企业设立方面的信息，新注册设立的公司中，有90％都是中小型企业。这些中小企业是目前中国的经济发展中最有活力的一部分。