中小企业融资问题资料.docVIP

PAGE / NUMPAGES 浅析我国中小企业地融资问题 专业名称： 工商经管 年级班别： 2008级 姓 名： 指导教师： 2012年4月 摘 要 改革开放以来，随着我国经济地飞速发展，中小型企业在国民经济中所占地比重日益膨大.目前我国中小企业占全国企业总数地九成以上，其存在和发展不仅为社会创造了经济财富，更为人民提供了充足地就业机会.然而目前中小企业融资难问题是制约其发展地最重大地瓶颈因素.形成这种情况地原因，除了中小企业自身发育不完善因素地制约，中小企业信用担保制度及银行等融资机构地融资体系不够完善以外，更重要地是国家金融政策对中小型企业融资地制约.为解决这些问题，中小企业应当提高自身地整体素质和综合竞争力，增强企业地融资能力，完善中小企业地信用担保制度，调整银行信贷政策完善融资体系，集合各种有效融资渠道实现多渠道融资，政府亦应制定相应政策以切实解决中小型企业地问题.文档来自于网络搜索 关键词 中小企业；融资问题；信贷政策；信用担保 Analyses of the Small and Medium-sized Enterprises Financing Problems文档来自于网络搜索 Abstract Since the reform and opening up, along with the rapid development of Chinas economy, small and medium-sized enterprises in the national economy in the proportion of the increasingly swollen. At present our country small and medium-sized enterprise accounting for over ninety percent of the total enterprises in the whole country, its existence and development for the society not only create economic wealth, more people with enough jobs. But now, middle and small enterprise financing difficult problem is that limit the development of the most significant bottleneck factor. The reasons for this are formed, except for small and medium-sized enterprise development itself is not perfect factors, small and medium-sized enterprise credit guarantee system and bank financing institutions such as the financing system outside not perfect, more important is the national financial policy on small and medium enterprise financing constraints. To solve these problems, small and medium-sized enterprises shall improve their overall quality and comprehensive competitiveness, the enhancement enterprises financing ability, and perfect small and medium-sized enterprise credit guarantee system, adjust the bank credit policy perfecting the financing system, set various effective financing channels to achieve financing, the government also should make relevant policies to solve the