经济学本科论文-小企业融资现状及对策分析.doc

精品文档 PAGE 可编辑 大理州地区中小企业融资现状及对策分析 摘 要 中小企业融资难已成为中小企业发展的首要瓶颈。由于政策支持力度不够，金融体系、金融制度不健全，相关的金融法律法规尚不完善，中小企业自身的信用机制和公司治理机制不健全等原因，中小企业很难通过银行和资本市场满足其融资需求，因此制约了中小企业快速发展，同时也影响了中小企业对我国国民经济和社会发展的促进作用。目前，我国有许多对中小企业融资问题的研究，但是关于民族地区（特别像云南边疆少数民族地区）的中小企业融资问题的研究还是很少。本论文基于参考了已有的研究成果，采用理论分析与实证分析的方法，对云南大理白族自治州地区的中小企业融资现状进行分析，以此希望能对大理州地区中小企业融资提出合适对策和建议。 [关键词] 大理州地区 中小企业 融资现状 Abstract Small and medium-sized enterprise financing has become the primary bottleneck of the small and medium-sized enterprises. As the government support is not enough, the financial system is defective ,the related laws and regulations are not perfect, the credit mechanism of the small and medium-sized enterprises is unsound and the governance mechanism is not well orginized, the financing needs of the small and medium-sized enterprises can not be satisfied by the bank and capital market .As a result, the small and medium-sized enterprises can not develop themselves quickly, meanwhile, it also restricted our national economic and social development. Presently, there are many cases on the study of? the small and medium-sized enterprise financing in our country. However, the studies of the national regions of the small and medium-sized enterprise financing are rare, especially like Yunnan frontier minority areas. On the basis of the reference of the existing research results, this paper focuses on the problems of the small and medium-sized enterprise financing in the Dali Autonomous Prefecture, Yunnan province. By the theoretical and empirical analysis of these problems, I hope we can put forward some appropriate measures and suggestions to solve these problems. Key Words（关键词）: Dali Autonomous Prefecture?? ? small and medium-sized enterprise financing status 1. 我国中小企业融资现状的分析 1.1我国中小企业融资方式及融资渠道 中小企业融资的方式从融资主体的角度主要有内源融资和外源融资。内源融资主要来源于企业内部的资本积累，具有低融资成本和高抵抗风险能力的特点。从中小企业所有者的角度看，内源融资可以增强对企业的控制权，对企业的生产经营具有重要的意义。内源融资是中小企业最基本的融资方式。外源融资是企业的内源融资不能满足经营需要和发展需要时，企业向外部筹集资金，把外部资金转化为内部投资的主要方式。外源融资对企业的资本形成具有高效性、灵活性等特点，可以对企业的经