中小企业融资存在的问题及对策-本科毕业论文.doc

本科生毕业论文 中小企业融资存在的问题及对策 ---以温州中小企业为例 院系名称 姓 名 学 号 专 业 指导教师 会计学院 会计学 教授 2012年5月20日 摘 要 改革开放以来，我国中小企业发展十分迅速，特别是中国加入世贸组织后，我国的中小企业如雨后春笋，迅速的发展壮大起来，并成为了我国国民经济增长的主要力量，在解决就业压力、维护社会稳定、推动经济发展和社会进步等方面都发挥着不可替代的重要作用。然而，相对于中小企业庞大的数量，其融资环境却一直不太理想，特别是自金融危机爆发后，广大的中小企业由于国际经形势的恶化造成企业效益日益下降，面对当前举步维艰的状况，许多的中小企业开始想尽办法进行融资，但是由于国内融资市场的不完善，不健全使得融资难已经成为制约广大中小企业生存和发展的重要因素。因此如何在短时间内改善中小企业的融资环境，解决其融资难的问题，对于促进中小企业的健康成长以及确保国民经济的稳定发展具有十分重要的意义。 关键词：中小企业；融资；信用担保 I Abstract Since the reform and opening up, the medium and small enterprises in China is developing very rapidly, especially after China’s entry into the WTO, the medium and small enterprises in China have mushroomed, and rapid development of the growing, and became a national economic growth in China’s main power, in solving the employment pressure, maintain social stability and promote economic development and social progress, plays an irreplaceable role. However, relative to the number of small and medium-sized enterprise huge, its financing environment but has not been very ideal, especially since the financial crisis, vast number of small and medium-sized enterprise due to the deterioration of the international situation caused by the enterprise benefit declining, facing the current ropey status, many small and medium-sized enterprise began to try their best to finance, but because of domestic financing market imperfections, is not sound makes financing has become small and medium-sized enterprises restricted the survival and development of important factors. So how to in a short time, improve the small and medium enterprise financing environment, solve the problem of the financing for small and medium-sized enterprises to promote the healthy growth of the national economy and ensure the stable development has the very vital significance. Combining with the hotspot nowadays most WEN ZHOU small and medium-sized enterprises financing problems specific to the analysis of the present the difficulties faced by small and