我国中小企业融资现状、原因及对策研究-毕业论文（设计）.docVIP

本科学生毕业论文（设计） 题 目 我国中小企业融资现状、原因及对策研究 学 院 安徽师范大学经济管理学院 专 业 09 会 计 学 学生姓名 学 号 0 9 1 8 5 6 7 指导教师 职称 初级 论文字数 6 7 2 8 完成日期 2013 年 1 月 31 日 我国中小企业融资现状、原因及对策研究 摘 要：长期以来,中小企业的发展在我国国民经济建设中发挥了重要的作用,但是它的发展却受着资金的制约，解决中小企业融资难的问题已经迫在眉睫。因此要对我国中小企业融资中存在的问题及其成因进行剖析并制定出相应的措施。本文对中小企业融资现状和融资困难的原因，分别从国家宏观政策、金融体系、企业自身素质三个方面进行分析,得出我国中小企业的社会金融体系不够完善、信用担保不成熟、中小企业信息不对称、自身体制不健全、信用度低等都是造成中小企业融资困难的主要因素。并在借鉴国外经验的基础上，结合我国国情，提出要从中小企业自身抓起，切实提高企业总体素质，同时加速建立多层次、全方位、完善的中小企业融资支持体系和健全的经营机制，改善中小企业融资的宏观政策环境，才能保障中小企业健康快速的发展，促进我国国民经济的发展。 关键词: 成因分析 对策 融资渠道 政策性金融机构 中小企业 Chinas SME Financing Status, Causes and Countermeasures Chenxi(0918567) School of Economics and Management, 09 accounting Abstract:A long time, the development of small and medium enterprises in the construction of Chinas national economy has played an important role, but its development is being affected by financial constraints, to solve the problem of financing of SMEs is imminent. Therefore, to analyze the problems and their causes in the financing of SMEs and to develop appropriate measures. The SME the financing status quo and financing difficulties cause, respectively, from the three aspects of the national macroeconomic policies, the financial system, their own quality analysis, come to our SME social financial system is not perfect, the credit guarantee immature, SME information asymmetric, their own system is not perfect, credit and low are principal factors cause financing difficulties of SMEs. And learn from foreign experience based on the situation of our country, raised from the small and medium-sized enterprises as starting, and effectively improve the overall quality of the enterprise, at the same time to speed up the establishment of a multi-