中小企业融资问题调查.docxVIP

中小企业融资问题调查-以泉州佰德汽贸有限责任公司为例 ［摘要］作为中小企业在经济发展上的重要作用，正在被逐渐认识到，中小企业融资问题也 开始受到高度重视。在西方经济发达国家，由于有完善的金融支持体系，积极和发达的金融 市场，完善的法律法规，这个问题已经有效地减少了，由于当前我国特殊的经济体制发展阶 段，由于国家的金融支持休系并不完美，有关法律、法规，金融市场操作不标准，缺乏屮小 企业发展的支持，使融资难问题尤为突出，已经成为抑制宿迁市屮小企业发展的瓶颈，也成 为我国宿迁市屮小金业在经济增长方而发挥更重要作用的限制根源。本文详细解释了融资的 基本概念，阐述了屮小企业在国民经济屮的重要作用，以泉州侑徳汽贸冇限责任公司为例， 分析了中小企业融资现状与融资困境成因，提出了破解中小企业融资困境的路径选择。 ［关键字］中小企业融资 困境对策 Study Upon the Financing of Small- and? Medium Enterprises [Abstract] Smal 1- and- medium enterpri ses (SMEs) play a decisive role in China*s economic and social development. And have played an imports nt role in adjusting the economic structure, to enrich and enliven the market, increase employment opportunities, the development of local economy and increasing fiscal revenue, etc.However, the issue of financing has been plaguing the development of SMEs.Meanwhile,take into consideration of the current fin ancial crisis,make deep analysis of fin an cing small and medium-sized problems.Pointing out that there are such phenomenon as narrow channels of direct financing,high financing cost and high riskjow financing credit,discriminatory policy,and Lack of co-ordination of social financial services.etc.To understand the plight of small and medium enterprises financing are of many asepects」ncluding their lack of small and medium enterprises, financial institutions, monopoly, the development of small and medium-sized financial institutions lagged behind, the development of regulations to protect their not perfect, imperfect capital markets. Therefore, this article-depth analysis of the problems of financing small and medium enterprises, to explore and propose solutions to small and medium enterprises financing measures to fundamentally break through the bottle neck of fi nancing diff iculties. Financing solutions to the plight of small and medium-sized small and medium enterprises should increase the competitiveness of their own, and deepen financial sector reforms, improve the capital markets, increase govern