中小企业资金紧张的成因和解决对策.doc

西安培华学院本科毕业论文（设计） 2B081A27 范妙雯-中小企业资金紧张的成因和解决对策-王天申 PAGE PAGE I 中小企业资金紧张的成因和解决对策 摘 要 随着经济的发展，企业资金短缺已经成为管理当局面临的重要问题，加上经济危机的影响，企业融资非常困难，特别是中小企业表现更为明显，资金紧张程度更加严重，在很大程度上制约了企业的发展。因此，关于中小企业资金紧张的成因及解决对策的研究迫在眉睫。本文立足于中小企业资金紧张的现状，从外部融资环境和内部资金运用的管理等多角度深入分析了资金紧张的原因，并从强化企业内部管理、合理利用企业资源和开拓融资渠道等方面提出了具有针对性的对策和建议，从而为中小企业加强资金管理、缓解资金紧张、不断实现自我发展提供理论依据和借鉴。 关键词：中小企业；融资；资金紧张  SMEs financial constraints cause and countermeasures Abstract With the development of economy， the enterprise capital shortage has become the enterprise management problems， coupled with the impact of the economic crisis， enterprises especially SMEs financing is more difficult and capital insecurity becomes more serious， the problem has already become the main factor that restricts business development， therefore， to the small and medium-sized enterprise capital insecurity causes and solutions research is important. The small and medium enterprises from the financial strain on the expressional proceed with， from the small and medium-sized enterprise external financing environment and internal fund management aspects of in-depth analysis of the small and medium-sized enterprise the cause of shortage of funds， we put forward that we should strengthen the internal management of enterprises， the rational use of resources and expanding financing channels， it puts forward the pertinence the countermeasure and the suggestion， for small and medium enterprises to strengthen fund management， alleviating capital insecurity， self-realization of development to provide a theoretical basis and reference. Keywords: Small and medium-sized enterprise; financing; the funds 目 录 TOC \o 1-3 \h \z \u 摘 要 I Abstract II 引 言 1 1 中小企业资金紧张的概述 1 1.1 中小企业概念界定 1 1.2 中小企业资金来源 2 1.3 中小企业资金紧张的表现 2 1.3.1 企业流动资金周转困难 2 1.3.2 企业停产 2 1.3.3 企业倒闭 2 1.4 中小企业资金紧张所造成的影响 3 1.4.1 企业生存难 3 1.4.2 人才流失严重 3 1.4.3 社会就业压力增大 3 1.4.4 中小企业信用逐渐降低 4 2 中小企业资金紧张的成因 4 2.1 外部经济环境的原因 4 2.1.1 国家不补助