金融危机背景下中国中小企业融资困境及对策研究-政治经济学专业论文.docxVIP

华中科技大学硕士学位论文 华 中 科 技 大 学 硕 士 学 位 论 文 II II Abstract SMEs are an important component of Chinas socialist market economy, it plays an increasingly important role during the development of economic and social stability in China. However, which hinders the strong development of small and medium enterprises is the financing problem. Actually, this problem of SMEs has existed in recent years, furthermore, the macroeconomic situation exacerbates the plight of SME’s finance, especially from the world financial center - the U.S. financial crisis, the plight of SME financing problem deepened. Therefore, the study of how to break the impasse of the financing crisis on SMEs is meaningful and practical for both in the current economic situation and future economic fluctuations. This article firstly summarizes the research achievements of native and foreign scholars of how to solve the financing predicament of SMEs, and then describes the new problems emerge in SMEs’ financing. After that, it analyzes the causes of the financing predicament. With the help of metering model, it analyzes the relationship between debit rate on asset and ROA, ROE, Cash earnings rate, the main business revenue growth rate, OPE, etc. Finally, it offers the strategies to handle this financing crisis. The strategies provided are mainly striving to develop products of Collective Investment of Trust and debt-to-equity swap planning for SMEs, it helps raising the credit level of SMEs and Solve the problem of excessively high debt ratio; Focusing on supporting credit guarantee on SME to provide good credit level, it will help SMEs to get debt from bank; Improving the export credit insurance, which effectively avoiding the risk of export trade and reducing capital return period of export enterprises; with the help of the government and the market, we can use financial depression effect in the context of Chinas economic thriving, the use of international funds effectively widening the path of SME’s financing,