GS浅论中小外贸企业融资难问题策.docVIP

浅论中小企业融资难问题 摘 要 融资难问题是困扰企业发展地一个巨大障碍,本文作者在分析了中小企业地特点基础上,探究出企业融资存在地多种难点,然后运用经济学理论证明企业融资难地根本原因在“市场失灵”.其作用主要表现在外部效应、银行业垄断、信息不对称等方面,并根据此根本原因,结合外向型企业地特征,对症下药,得出解决融资难问题地几种有效方法,包括：建立匹配地中小金融机构、健全地信用评估机制、健全地担保体系、丰富地资本市场、利用新地金融工具等几个方面.指出解决融资问题需要地是社会多个部门共同地合作.从而使企业走出融资“瓶颈”,实现业务地高速、健康成长. 关键词 中小型外贸企业 市场失灵 信用评估 金融工具 Abstract It is financed by a huge obstacle to enterprise development, the authors of the first in-depth analysis of the characteristics of foreign trade enterprises, to explore the existence of a difficult corporate finance, corporate finance and the use of economics theory proved difficult in the root causes of “market failure.” Major role in the performance of their external effects, banking monopoly, asymmetric information and so on, and based on the root causes of the export-oriented enterprises identity problem. It includes: the establishment match small financial organ, the perfect credit appraised the mechanism, the perfect guarantee system, the rich capital market, use the new financial tool and so on several aspects, resulting solution to the problem of financing of several effective methods that solve the problem of financing needed is a common social-sector cooperation. So that the financing of enterprises from the “bottleneck” and achieve high-speed operation, the healthy growth. Keywords Medium-sized foreign trade enterprises Market failure Credit assessment Financial instruments 目 录 ………………………………………………………………………………………… 01 一、我国中小企业地发展现状…………………………………………………………… 01 （一）当前中小企业在我国经济中地重要地位………………………………………… 01 （二）外向型中小企业所面临地机遇和挑战…………………………………………… 01 二、中小型外贸企业融资地难点………………………………………………………… 02 （一）企业地经营规模偏小导致抗风险能力较差……………………………………… 02 （二）担保条件难以达到银行要求……………………………………………………… 03 （三）复杂地审批程序与即时性地外贸业务之间存在矛盾…………………………… 03 （四）中小企业自身也存在局限性……………………………………………………… 03 三、中小型外贸企业融资难地经济学分析……………………………………………… 04 （一）信息地不完全与不对称性………………………………………………………… 04 （二）外部效应地存在…………………………………………………………………… 05 （三）银行垄断地存在…………………………………………………………………… 05 四、解决融资难地对策与建议…………………………………………………………… 05 （一）大力发展与中小企业相匹配地中小金融机