民间金融对我国中小企业金融支持的研究-产业经济学专业毕业论文.docx

万方数据 万方数据 中 文 摘 要 随着我国经济体制改革的不断深入，中小企业代表的非国有经济越来越成 为我国经济发展的主要推动力，并在整个国民经济中占据越来越重要的地位。 但目前我国中小企业存在严重的融资困难问题，民间金融一直以来是中小企业 的金融支持力量。虽然民间金融目前陷入严重的危局，但其对于实体经济仍有 很大的实用性，对促进中小企业乃至整个国民经济的发展有着十分重要的作用。 本文从民间金融视角出发，从理论和实践经验两方面系统地对民间金融在中小 企业融资中的重要作用进行了论证。 本文共分为三大部分。第一部分包括导论和第一、二章，分别对民间金融 和中小企业进行了界定，阐述了二者目前的现状、存在的问题及原因进行了论 述。第二部分包括第三、四章，在前几章的基础上，论证了民间金融支持中小 企业融资的可行性、比较优势，并通过经验研究，指出民间金融是中小企业重 要的融资渠道之一。第三部分是第五章，着重通过借鉴国内外中小企业民间融 资的经验，提出了规范民间金融的措施以及如何引导中小企业的民间融资行为， 进而为中小企业的发展道路扫清障碍。特别是新形势下民间借贷危机，怎样对 民间金融进行改革，解决“两多两难”问题，使其更好规范化，对引导我国民 间金融支持中小企业融资具有巨大的现实意义。 关键词：民间金融 中小企业 金融支持 I Abstract Along with the further economy reform, the non-governmental economy has been the most important motive to accelerate our country’s sustainable economic growth. The Small-and-Medium Enterprises (SMEs) are the impetus of economic growth and will play more and more important role in the future. But at present, private finance has long been a financial support of Small-and-Medium Enterprises who has serious financing difficulties. Although the folk finance are in serious crisis, but its for the real economy still has great practicability, to promote the small and medium-sized enterprises and even the entire national economy development has a very important role. This article from the private financial perspective, from both theory and practical experience to for the informal financial system demonstrated in the important role of small and medium enterprise financing. There are three parts. The first section includes the introduction and chapters I, II, on private finance and SMEs were defined separately, described the current situation, existing problems and reasons discussed. The second part consists of chapter IV, demonstrates the feasibility of private financial support for SME financing, comparative advantage on the basis of previous chapters, and pointed out that private finance is an important financing channel of SMEs through empirical research. The third part is the fifth chapter, focus by building