管理浅析中小企业融资问题与解决对策.docVIP

浅析中小企业融资问题与解决对策 摘要 近年来，我国中小企业迅速发展，在扩大就业、推动创新等方面做出了突出贡献，中小企业在我国社会经济中的地位和作用备受瞩目。但是，中小企业融资难是一个全球性问题。金融危机爆发后，国际经济环境恶化，市场需求不足对我国中小企业尤其是出口导向型的外贸民营企业造成了巨大的冲击。自2008年下半年以来，长三角和珠三角地区的外贸企业纷纷陷入困境甚至破产，对我国外贸尤其是就业环境带来了前所未有的压力。从更深层次来看，大量失业人员返乡将会对和谐社会建设带来严重影响。众观破产企业，资金链断裂是他们濒临破产的主要原因。中小企业融资难问题在金融危机中显得更为突出。 本文通过分析中小企业融资现状，试图从金融服务机构与政府政策、中小企业自身、社会信用缺失三个方面探究中小企业融资难的原因。最后，从这三个方面出发，分别探讨解决现阶段中小企业融资难的对策。一是从金融服务机构与政府政策的角度来分析，建设中小企业金融服务专营机构并保证该组织的独立性是目前金融服务机构的首要任务。此外，银行业监管部门及各级政府机构应根据中小企业的特性，放宽监管管制、加大政策倾斜度，为中小企业创造适度宽松的制度环境。二是加强中小企业内部建设，完善公司治理结构，提高产品的质量与服务，提高经营者自身素质。三是加强社会信用建设，实施征信立法，加大失信惩戒力度，建立统一的企业信用等级评定体系，规范评级规则。最后以A电力变压器厂为例进行实证分析。 关键词：中小企业、融资、信用体系、融资渠道 Abstract In recent years, the rapid development of small and medium-sized enterprises （hereinafter referred to as “SMEs”）made outstanding contribution to the country’s economic prosperity, expanding employment and technological innovation. The role of SME in China commands the attention of the world.. Nevertheless, the difficulties in financing are prevalent for SME all over the world, and it deepen owing to the weakness in global economy during the financial crisis. The sharp fall in purchasing abroad brought about the disastrous forays into our foreign trade enterprises which centralized in Yangtze River Delta Area and Chu Chiang Delta Area, a great number of them got into trouble and some of them went bankrupt. Since the foreign trade enterprises tend to be labor-intensive, the large number of unemployment came on the heels of the bankrupt. Immediately after, the peasant-workers began to go back home, national employment status encountered unprecedented challenge. The general survey shows financing restrains are the crucial factor that resulted in bankrupt, the financing trouble in SME worsened in financial crisis. This paper will analyze the exiting financing state for SME in the aspects of financial institution, government policy, the deficiency in social credit system and SME in consideration of the role in economy. Firstly, The ban