论中小企业融资难的问题及对策分析.docxVIP

本科毕业论文题 目：论中小企业融资难的问题及对策分析 目 录摘要2ABSTRACT3一绪论11.1中小企业融资背景与意义41.2中小企业融资的概念及分类41.3融资的分类4二妨碍我国中小企业发展存在的主要问题62.1 信贷政策支持62.2面向中小企业和民营经济的服务体系还不健全62.3税负政策要进一步改进62.4中小企业和民营经济自身素质有待提高6三中小企业融资难的原因剖析63.1从中小企业发展的生命周期分析63.2 从中小企业的类型分析73.3从金融业的特殊经营要求分析7四解决我国中小企业融资难的对策74.1拓展外源融资途径是解决我国中小企业融资难问题的根本84.2 解决我国中小企业融资难问题的几点思考12五结论15参考文献16摘 要随着我国改革开放的深化以及市场经济的深入发展，中小企业在国民经济运行中充当着经济增长引擎、增加税收、增加就业岗位以等一系列特有功能逐渐体现出来, 在我国国民经济的发展中起着越来越重要的作用，成为建设和谐社会和中华民族伟大复兴的重要经济基础。中小企业的发展离不开银行等金融机构的资金支持，在发展过程中由于多方面的原因，在我国诸多中小企业中，几乎都不同程度的存在融资难的问题，中小企业融资难严重制约了我国中小企业的发展速度，不利于我国国民经济的健康发展。因此，制定科学有效的制度措施解决小企业融资难问题，对活跃市场经济和进一步深化改革开放具有重要的战略意义。对我国中小企业的自身特点及融资现状进行调查和了解，进而对中小企业融资难的成因进行科学的分析和探讨，尝试着提出一些解决中小企业融资困难的解决对策，为国家制定措施解决我国中小企业融资难题提出一些建设性的建议，以促进我国中小企业乃至整个国民经济健康发展。 关键词:中小企业；融资困难；对策Theory of small and medium-sized enterprise financing difficult problem and countermeasure analysisABSTRACTWith deepening of reform and opening up in China as well as the further development of market economy, small and medium-sized enterprises in the national economy in the operation of the act as the engine of economic growth and tax increases, increase jobs to gradually, and a series of characteristic function in the development of Chinas national economy plays an increasingly important role, become the importance of building a harmonious society and the great rejuvenation of the Chinese nation economic foundation. The development of small and medium-sized enterprises can not do without the money support of Banks and other financial institutions, in the process of development due to various reasons, many small and medium-sized enterprises in our country, almost all the varying degree existence, the difficulty of financing, small and medium-sized enterprise financing difficulties of small and medium-sized enterprises in our country in the development speed, is not conducive to the healthy development of national economy in our country. Therefore, formulate scientific and effective system of measures to solve the problem of small busin