试论我国中小企业资现状及其对策.docVIP

PAGE PAGE 西 京 学 院 本科毕业设计(论文) 试论我国中小企业融资的 现状与对策 教学单位： 经济系 专 业： 会计学 学 生： 李鹤 学 号： 0811030350 指导教师： 蒋娜 2012年 05月 PAGE PAGE 3 摘要 改革开放30多年来，我国中小企业的迅速发展，为地区经济发展，增加就业岗位，缓解就业压力，实现科技创新与成果转让等方面发挥出越来越重要的作用，决定了必须重视中小企业的生存与发展。由于中小企业自身的特点，规模小，可控资源更为稀缺，又往往处于快速发展阶段，需要大量的资金投入。所以，大多数中小企业都面临着融资难的困境，严重阻碍中小企业的发展。中小企业所获得的融资与其在国民经济和社会发展中的地位和作用是极不相称的。中小企业在我国经济和社会发展中具有特殊的重要作用决定了中小企业的发展是我国国民经济发展中的战略性问题，也是与中小企业可持续发展联系最为密切的问题，如何促进中小企业的发展，是一个复杂的问题，需要全面的解决方案。所以，本文重点在对中小企业融资难的原因进行分析，找出我国目前中小企业融资难存在企业本身、银行、政府三个层面的原因，并通过中小企业融资难原因，提出缓解中小企业融资难的相关对策，以求在融资方面促进中小企业的更好发展。 关键词：中小企业；融资现状；解决对策 Abstract 30 years of reform and opening up, Chinas small and medium-sized enterprises in the rapid development, for the regional economic development, increasing employment, alleviate obtain employment pressure, realize the innovation of science and technology and the results of transfer plays a more and more important role, decided to must pay attention to the survival and development of SMES. Due to the characteristics of SMES, small size, controllable resources more scarce, often at a stage of rapid development, need much capital investment. Therefore, the majority of small and medium-sized enterprises are faced with financing difficulties, serious obstacle the development of medium and small businesses. The small and medium-sized enterprise to obtain financing in their national economic and social development in the status and role is extremely unworthily. Small and medium-sized enterprises in Chinas economic and social development has special important role in determining the development of medium and small enterprises is developing of economy of our country countryman strategically problem, but also with the sustainable development of small and medium-sized enterprises the most closely relationship problems, how to promote the development of small and medium-sized enterprises, is a complex question,