《江苏中小型企业融资问题及解决方案》-毕业论文（设计）.docVIP

PAGE 图书分类号： 密 级： 毕业论文 江苏中小型企业融资现状分析及对策 ANALYSIS?AND COUNTERMEASURES OF FINANCING OF?SMALL AND MEDIUM ENTERPRISES IN JIANGSU 学生姓名 班 级 二学历 学 号 11215102027 学院名称 管理学院 专业名称 财务管理 指导教师 2013年 10月 20日 徐州工程学院毕业论文 PAGE III 摘要 中小企业在我国国民经济中的地位是非常重要的，中小企业在促进市场竞争、增进市场活力、推进技术创新、特别是在提供就业机会等方面具有不可替代的作用。中小企业的发展需要强有力的金融支持，但由于企业自身和我国经济体制等多方面的原因，致使我国中小企业普遍存在的融资难的问题，融资难造成中小企业融资方式单一，融资渠道狭隘，融资结构存在许多缺陷。融资难严重制约了我国中小企业的发展速度。 本文依据相关领域专家及人士的研究理论，对江苏省中小企业融资问题进行分析。有针对性地分析了苏南、苏中和苏北各区域的中小企业融资资源禀赋、经济发展水平和政府政策等要素对江苏省中小企业融资的影响，并从政府、 HYPERLINK /finance/ 金融机构、担保体系、以及中小企业自身素质等方面提出了针对性的解决措施及缓解融资困难的创新方式, 提出相关切实可行的建议，以促进江苏省中小企业健康、快速地发展。 关键词 融资；中小企业；银行信贷 Abstract Small and medium sized enterprises play very important roles in Chinas national economy .This kind of enterprise has great effecfs in the aspects of promoting market competition,enhancing promote market dynamic advancing technilogy innovation and providing employment opportunities etc. The development of small and medium-sized enterprises need strong financial support, but because of their own and Chinas economic system and so on, which generally exists in our country small and medium-sized enterprise financing difficult problem, causing difficulties in financing for small and medium-sized single mode of financing.The financing channel is narrow, there are many deficiencies in the financing structure. Financing has seriously hampered the pace of development of small and medium-sized enterprises in china.HYPERLINK /### This paper studies the theory according to the related field experts and professionals, the financing problem of small and medium-sized enterprises in Jiangsu province are analyzed. According to the analysis of South of Jiangsu,Jiangsu and Northern Jiangsu regional SME financing resource endowment,economic development level and government policy and other factors on theimpact of financing of SMEs in Jiangsu Province, and from the government,financial institutions, credit guarantee system of small and medium-