《小微企业成长中融资难问题的分析与对策研究》-毕业设计（论文）.docVIP

《文献检索与论文写作》 短学期课程设计（论文） 小组成员： 专 业： 技术经济及管理 设计（论文）题目：小微企业成长中融资难问题的分析与对策研究 指导教师： 2013 年 7 月 9 日 摘 要 发达国家的经验表明，小微企业发展的好坏直接关系到国家国民经济水平的高低，但目前中国小微企业正面临着融资困难的问题，本文通过调查所得数据对小微企业融资缺口、融资渠道与需求、融资成本三个方面的现状进行了分析，然后根据实证案例，结合CＹ公司的情况，进一步分析小微企业所面临的融资问题，并且从企业自身和金融机构以及政府三个层面探讨小微企业融资困难的成因，最终提出相关对策，来缓解融资困难的问题，保障企业健康发展。 关键词 小微企业 融资 金融体系 困境 PAGE \* MERGEFORMAT PAGE \* MERGEFORMAT II ABSTRAC The experience of developed countries showed that small and micro enterprise development was directly related to the level of the national economic level, but Chinese small and micro enterprises are faced with financing difficulties. In this paper, data from the survey were analyzed on three aspects of the current situation of the small micro-enterprise financing gap, financing channels and demand, financing costs. Then according to the empirical study, we combined the CY Company, further analysis of the financing problems faced by small and micro enterprises, and investigate the causes of the financing difficulties of small and micro enterprises from enterprise and financial institutions as well as government three levels. Finally, three measures were made to ease the financing difficulties and ensure the healthy development of enterprises. Key Words：small micro enterprise financing financing system dilemma PAGE \* MERGEFORMAT PAGE \* MERGEFORMAT IV 目 录 TOC \o 1-3 \h \z \u HYPERLINK \l _Toc361169885 1 引言 PAGEREF _Toc361169885 \h 1 HYPERLINK \l _Toc361169886 1.1 选题背景 PAGEREF _Toc361169886 \h 1 HYPERLINK \l _Toc361169887 1.2 研究意义 PAGEREF _Toc361169887 \h 1 HYPERLINK \l _Toc361169888 1.3 研究思路及方法 PAGEREF _Toc361169888 \h 2 HYPERLINK \l _Toc361169889 1.3.1 研究思路 PAGEREF _Toc361169889 \h 2 HYPERLINK \l _Toc361169890 1.3.2 研究方法 PAGEREF _Toc361169890 \h 2 HYPERLINK \l _Toc361169891 2 相关文献综述 PAGEREF _Toc361169891 \h 3 HYP