我国中小企业融资困境存在的原因及解决对策.docVIP

摘 要 筹资是企业为了满足生产经营活动的需要，根据有关规定，运用一定的方式，从国内外有关渠道获取资金的过程。资金是企业进行生产经营活动不可或缺的条件。为了维持简单再生产和扩大再生产，在激烈的市场竞争中求得生存和发展，企业必须通过多种渠道筹集资金。 中小企业在繁荣我国经济、增加就业、推动科技创新中发挥着日益举足轻重的作用，已经成为我国经济发展和推动社会主义和谐社会建设的重要力量。与我国中小企业在国民经济中发挥的重要作用相比，中小企业获得的资金支持是远远不够的，中小企业融资难是不争的事实。特别是2008年，从紧的货币政策和一系列宏观调控政策对于中小企业而言是一个严峻的考验，从紧使中小企业的融资环境更加艰难。本文通过对四川汉唐集团的融资环境进行分析，对我国中小企业融资困境存在的原因进行剖析，并提出解决对策。 SMEs Financing Problems Abstract Financing of the enterprise to meet the needs of production and business activities, Under the Ordinance, the use of a certain way, from home and abroad to obtain funds Guocheng relevant channels. Enterprise funds is an indispensable condition for production and business activities. In order to maintain simple reproduction and expanded reproduction, in the fierce market competition to survive and develop, companies must raise funds through various channels. SMEs in the prosperity of our economy, increase employment, promote scientific and technological innovation is playing an increasingly important role, has become China#39;s economic development and promote the building of a socialist harmonious society important force. SMEs in the national economy and China#39;s important role than the access of SMEs to financial support is not enough, SME financing is an indisputable fact. In particular, in 2008, tight monetary policy and a series of macro-control policy for SMEs is a severe test, from tight to more difficult financing environment for SMEs. Based on the Group#39;s financing environment in Sichuan Han and Tang analysis of the financing difficulties of SMEs in China to analyze the reasons for the existence and proposed countermeasures. Keywords：SME；Financing difficulties；Financial institutions；Preferential policies 1绪论…………………………………………………………………………………………1 1.1研究背景………………………………………………………………………………1 1.2研究意义………………………………………………………………………………1 1.3研究内容………………………………………………………………………………2 2中小企业相关理论…………………………………………………………………………3 2.1我国中小企业划分标准………………………………………………………………3 2.2我国中小企业现状…………………………………………