我国中小企业融资中存在的问题与对策.docx

PAGE 分类号：F230 U D C：D10621-412-(2014)3333-0-S 密 级：公 开 编 号：S 成都信息工程学院 学位论文 我国中小企业融资中存在的问题及对策 论文作者姓名： 黄明强 申请学位专业： 会计学 申请学位类别： 管理学学士 指导教师姓名（职称）： 宋靖（副教授） 论文提交日期： 2014年05月07日 我国中小企业融资中存在的问题及对策 摘 要 改革开放30年来,中小企业已经成为我国经济发展中的一支重要力量，占全国企业总量的99.8%的中小企业,在繁荣经济、促进增长、扩大就业、推动创新等方面发挥着越来越重要的作用,但融资难一直是困扰我国中小企业发展的最大障碍。尽管政府采取了一系列金融措施改善中小企业的融资环境,但融资难问题并未得到很好的解决,现有的融资环境与企业的希望仍有较大差距。尤其自2008年下半年以来的全球金融危机给实体经济发展带来的危害不断加深的背景下,中小企业融资难问题比以往更加突出,融资面临前所未有的困难。在当前背景下,重新探讨这一问题,更具现实意义。 中小企业融资问题是一个顽疾,当前我国处于市场经济体制初步建立和投融资体制改革的关键时期,仅依靠某一种融资方式或融资机制安排来解决我国中小企业融资困境是非常困难的。我国中小企业融资约束的现实和中小企业自身发展的特殊性,以及宏观政策环境的变化,使得中小企业融资又出现了一些新情况,这需要我们研究解决问题的新的突破口,本文对此做了比较深入的探索。 关键词：中小企业；融资；原因分析 Our country small and medium-sized enterprise financing problems and countermeasures Abstract 30 years of reform and opening-up, small and medium-sized enterprises has become an important force in the development of Chinas economy, accounting for 99.8% of the total national enterprises of small and medium-sized enterprises, in prosperity, and promote economic growth, expanding employment, promoting innovation are playing an increasingly important role, but financing difficulty is always the biggest obstacle to the development of small and medium-sized enterprises in our country. Although the government has adopted a series of financial measures to improve the financing environment of small and medium-sized enterprises, but the financing difficult problem has not been very good solution, the existing financing environment and the enterprise hope there is still a large gap. Especially since the second half of 2008, the global financial crisis, the harm to the development of the real economy under the background of the deepening, small and medium-sized enterprise financing difficult problem been more evident than in the past, financing is facing unprecedented difficulties. In the current context, to explore this problem, a more practical significance. Small and medium-sized enterprise financing probl