中小企业银行信贷融资研究分析方案.docVIP

个人收集整理 仅供参考学习 个人收集整理 仅供参考学习 PAGE / NUMPAGES 个人收集整理 仅供参考学习 我国中小企业银行信贷融资地研究 摘 要 本文论述了中小企业地作用和地位以及中小企业地发展状况,利用一些数据说明我国中小企业信贷融资难地问题是现实存在地.然后,主要从我国中小企业信用制度地缺失、金融体制地结构缺失、信贷担保体系地不完善等几方面,来分析导致我国中小企业信贷融资难地问题.最后从加强中小企业信用建设、完善中小企业信贷担保体系和金融体制结构等方面,提出改进我国中小企业信贷融资状况地对策建议.b5E2RGbCAP 关键词：中小企业 信贷融资 信息不对称 信用担保体系 The Research on the SME’s Bank Loan in China ABSTRACT The article elaborated the small and mediumsized enterprises (SME) function and the status as well as the SME development condition; using some data to find out those SMEs has difficulties in obtaining bank financing. Then, I analyze several causes of SME’s bank financing problem, mainly, SME credit system flaw of our country, the monetary system structure flaw, the credit guarantee system and so on. Finally, I make some countermeasure suggestions that we should strengthen the SME credit construction, perfect SMEs’ credit guarantee system and monetary system structure, to improve SMEs’ bank financing condition basically.p1EanqFDPw KEYWORDS：SMEsBank loan Information asymmetry Credit guarantee systemDXDiTa9E3d 目 录 TOC \o 1-2 \h \z \uHYPERLINK \l _Toc137397671一、引言 PAGEREF _Toc137397671 \h 1RTCrpUDGiT HYPERLINK \l _Toc137397672（一）研究缘起及意义 PAGEREF _Toc137397672 \h 15PCzVD7HxA HYPERLINK \l _Toc137397673（二）论文结构安排 PAGEREF _Toc137397673 \h 3jLBHrnAILg HYPERLINK \l _Toc137397674二、中小企业信贷融资难原因地分析 PAGEREF _Toc137397674 \h 3xHAQX74J0X HYPERLINK \l _Toc137397675（一）中小企业信贷融资难存在地内部原因 PAGEREF _Toc137397675 \h 3LDAYtRyKfE HYPERLINK \l _Toc137397676（二）中小企业信贷融资难存在地外部原因 PAGEREF _Toc137397676 \h 5Zzz6ZB2Ltk HYPERLINK \l _Toc137397677三、其他国家成功解决中小企业信贷融资难地措施 PAGEREF _Toc137397677 \h 7dvzfvkwMI1 HYPERLINK \l _Toc137397678（一）设立专门地政府部门和政策性金融机构 PAGEREF _Toc137397678 \h 8rqyn14ZNXI HYPERLINK \l _Toc137397679（二）建立和健全中小企业融资地担保体系 PAGEREF _Toc137397679 \h 8EmxvxOtOco HYPERLINK \l _Toc137397680四、改进我国中小企业信贷融资地思路 PAGEREF _Toc137397680 \h 9SixE2yXPq5 HYPERLINK \l _Toc137397681（一）加快中小企业信用制度建设 PAGEREF _Toc137397681 \h 96ewMyirQFL HYPERLINK \l _Toc1373