毕业设计（论文）-中小企业融资问题研究.docVIP

本科毕业设计（论文） 中小企业融资问题研究 学 院 管理学院 专 业 财务管理 年级班别 财管（5）班 学 号 学生姓名 指导教师 2015 年 6 月 摘要 中小企业在我国就像一滴滴看似微不足道的水，但是一滴滴的水却能在不知不觉中瞬间汇成大河乃至于大江，迸发出无穷的力量。改革开放以来，我国中小企业得到了迅猛的发展,对我国国民经济的贡献率不断提高,中小企业在促进经济增长、创造就业机会、增加农民收入、转移农村富余劳动力等方面发挥越来越重要的作用。但是,我国中小企业的发展由于受融资难问题的制约,一直面临着很大的困难。 目前我国中小企业融资难主要表现在以下几个方面:一是为中小企业服务的资本市场不完善,长期权益性资本欠缺;二是抵押难,中小企业可抵押物较少;三是担保难,中小企业难以找到合适的担保人;四是基层银行授权有限,办事程序复杂繁琐;五是融资成本高,中小企业的融资成本普遍比国家法定同期贷款利率高。 基于上述影响因素，本文从中小企业自身、金融机构、资本市场、民间金融和国家政策五个方面分析了我国中小企业融资的现状，通过详细的分析总结出了一些解决我国中小企业融资难的对策。对于中小企业自身可信度不强的原因来说，我们要努力提高我国中小企业自身素质；在金融机构方面，则要提高他们对中小企业的服务水平；在资本市场方面，要完善他们为中小企业融资拓宽渠道的机制；在民间金融方面；则要搞好民间金融机制创新策略；在政府方面，加强政府对中小企业融资的政策支持，还有就是促进出口、扩大内需、打破行政垄断等。 关键词：中小企业, 融资渠道，资本市场 注：本论文题目来源于自选。 Abstract Small and medium-sized enterprises in our country like the water trickle seemingly insignificant, but it can be in imperceptible in a trickle of water instantly merged into the river and great river, burst out of the infinite strength. Since the reform and opening small and medium-sized enterprise in our country developed quickly, increasing the contribution of the national economy in China, small and medium-sized enterprises in promoting economic growth, create jobs, increase farmers income, the transfer of rural surplus labor plays an increasingly important role. However, the development of small and medium-sized enterprises in China due to the restriction of the financing difficult problem, has been faced with great difficulties. At present ,small and medium-sized enterprise in our country financing difficulties are mainly in the following aspects: one is the service for small and medium-sized enterprises of the capital market is imperfect, lack of long-term equity capital; Second, mortgage is difficult, small and medium-sized enterprises can be less collateral; Third its hard to guarantee, small and medium-sized enterprise is hard to find a suitable guarantor; Four is the authorized bank limited, procedures to complexity; Five the cost of finance is high, small a