贵州毕节中小企业融资问题分析word格式论文.docxVIP

SummaryIn1988，bytheadviceofJingtaoHu，BijiepilotareaofGuizhouprovincewhichaimatdevelopment for poverty alleviation, ecological construction, was set up according to theauthorizationfromthestate departmentof China．During the past twenty years after thepilotareahavebeenbuilt,thesmallandmediumenterprises(SMEs)havedevelopedfleetly,theyareverysignificantforthepilotareabecausetheycanpromotetheeconomicimprovement,favorinadjustingthestructureofindustry,andcanrelievetheseverityofunemploymentetc.However,duringtheirdevelopment,theSMEsfacedkindsofdifficultieswhentheystrivetomakeprogress.Amongthoseproblems,loaningisthemostdifficultone.AsanMBAworking atbank formany years, writerattemptto point outseveral defectsthroughinvestigatingthesituationoftheSMEs’loaning,drawlessonsfromdevelopedcountriesandareassucceedingin solutingthisproblem, andthengivesomeinnovativeadvice,which canbeusedbytheindustries,thetheoriesandthegovernments.TextmakesuseoffinancetheoryandeconomymodeltoanalyzetherestrictfactorsforSMEsofBijiepilotareaofGuizhouprovincehardtolendloan.TextholdsthatthesourcereasonofSMEshardtolendloanisinformationincorrectsymmetry.Atthesametime，Ifindthatintheconditionofbankingmonopolyeconomytheinformationincorrectsymmetry,loanmortgageanddealcostofSMEsarethemostimportancevariables.Ifdecreaseinformationincorrectsymmetry,increaseloanmortgageanddecreasedealcostcouldaddtheloan.Basedontheconclusionfrominvestigation，Idrawlessonsfromdevelopmentcountryandareathesolutionofthisproblem,andraisesasuiteofprogramtosolvethisdifficultproblem.Keyword:Bijiepilotarea,middleandsmallenterprises,financingability,financingdemand,financingdifficultyClassification number：F276.3贵州大学工商管理硕士学位论文1 绪论1.1选题的背景及意义1.1.1 贵州省毕节试验区背景介绍毕节地区位于贵州省西北部，平均海拔1,400米，辖7 县、1市、1区，总人口780万,其中农业人口723万,少数民族人口占28%，是贵州省乃至全国典型的资源型欠开发、欠发达边贫地区。1988年1月，时任中共贵州省委书记胡锦涛同志倡议在毕节建立“开发扶贫、生态建设”试验区，目的是想通过对经济社会发展严重滞后、人民贫困程度极深、生态环境很差的毕节的试验探索，为解决同类贫困地区经济社会全面、协调、可持续发展难题提供借鉴和依据。毕节试验区于1988年6月经国务院批准成立，是全球第一个以可持续发展为目标，推进人与社会、自然和谐共生、共同发展的农村改革试验区。20