中小企业融资困境如何突围.docVIP

中小企业融资困境如何突围？ 姓名：刘宏艳 学号：071702082 专业：金融 班级：07级金融（2）班 【摘要】不论是在发达国家还是在发展中国家，中小企业都是国民经济的重要支柱。只是因为，中小企业在促进科技进步、增加就业、扩大出口等发面，发挥着不可忽视的作用。但是用于中小企业规模小、实力弱，中小企业的发展长期得不到我国政府的重视。20世纪90年代中后期，我国政府才开始重视中小企业的发展。在中小企业的发展中，最大的问题是融资难。受政府的影响和实践的制约，学术界对中小企业融资难问题的研究还不系统、深入，有待进一步加强。目前国外文献偏重对发达国家中小企业融资问题的研究，其理论分析并不完全适合中国国情，而国内多偏重对现状和对策的研究，缺乏对引起那些现状和对策理论依据、融资困难原因的探究。本文认为，中小企业融资难的症结是由多方面的原因引起的，可以归纳为：中小企业自身的原意，政府的原因和资本市场缺乏层次等。 【关键词】中小企业：融资：融资渠道： 信用体系 Abstract: The Small medium enterprises (SMEs) are the important support of national economy in the development of a country, not only developed countries but also developing countries .Because SMEs play a noticeable role in promoting the science and technology getting ahead, increasing the employment ,enlarging the exports and so on. Yet it’s a long time for our government to ignore the development of SMEs because their scale is not large and their strength is not strong. The Chinese government begun to pay attention to the development of SMEs from the late of 1990’s.Financing difficulty is the largest problem of the SMEs development. Nowadays the research about SMEs financing still needs to be strengthened and deepened. At the present time foreign literatures about SMEs financing problem of developed countries, which are not suitable for the Chinese situation. and home. Literatures laid particular stress on SMEs’financing status and policy recommendations. But if you want to analyze the status and make the policy right you should research into the reasons. this article holds that the crux of the SMEs financing difficulties are caused by many reasons, which can be summed up as:SMEs’own reasons, the government’ Key words Small and Medium-sized Enterprises; Financing ；Financing Channel; Credit System 一、前言 研究背景 随着改革开放政策实行走过三十年的历程，我国经济发展取得了举世瞩目的成就。作为经济活动中最有活力的部分，我国中小企业也获得了蓬勃的发展。截止2006年，我国工业中小企业达到了299276家，占全国企业数目的99%以上；产值达到2049.55亿元，占全国工业总产值的64.25%；中小企业更是为我国提供了5632.22万个工作岗位，占全国城镇户籍就业人口的76.6%。同时，我国的中小企业行业分布范围广泛，几乎涉及了所有竞争性行业和领域。中小企业由我国国民