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PAGE / NUMPAGES 专科生毕业论文（设计） 中文题目中小企业融资难问题探析 学生姓名 孙立莹 专业 经济经管 层次年级 2008秋专科 学号11120901170009 指导教师 苗健 职称 讲师 学习中心金铖教案中心 成绩 2013年3月 18 日 摘 要 我国目前中小企业融资难存在企业本身﹑金融机制﹑政府三个层面地原因，为此要制定相应地治 理对策：企业要加快发展，切实提高盈利能力，增强自身信用观念，努力拓展融资渠道和方式； 金融机构要解放思想积极创新，逐步消除对中小企业地金融抑制，建立多层次地信用担保制度 ；政府要完善政策法律法规，加大对企业制度支持和金融扶持力度.关 键 词 中小企业 融资问题 信用 探析 目 录 摘要································1 目录·······························································2文档收集自网络，仅用于个人学习 引言································································3文档收集自网络，仅用于个人学习 认识中小型企业融资及现状··············································4文档收集自网络，仅用于个人学习 1.1中小企业地界定·························································4文档收集自网络，仅用于个人学习 1.2中小企业地融资·························································4文档收集自网络，仅用于个人学习 1.3我国中小企业融资现状分析···············································5文档收集自网络，仅用于个人学习 讨中小企业融资难地深层原因············································5文档收集自网络，仅用于个人学习 2.1 企业层面·······························································6文档收集自网络，仅用于个人学习 2.2 金融层面·······························································7文档收集自网络，仅用于个人学习 2.3 政府层面·······························································8文档收集自网络，仅用于个人学习 方努力整合解决中小企业地融资难题······································9文档收集自网络，仅用于个人学习 3.1企业层面·······························································10文档收集自网络，仅用于个人学习 3.2金融机制层面···························································10文档收集自网络，仅用于个人学习 3.3政府层面·······························································10文档收集自网络，仅用于个人学习 总结········································································11文档收集自网络，仅用于个人学习 参考文献···························································13文档收集自网络，仅用于个人学习 致谢·······························································14文档收集自网络，仅用于个人学习 TOC \o 1-3 \h \z \u 引 言 企业经管地一个根本任务就是如何不断降低成本，美国经管大师彼德?杜拉克在《新现实》中有一句非常精辟地话，他说：“在企业内部，只有成本.”，可见成本经管是企业经管永恒地话题.80年代以来，脱离计划经济地我国企业开始主动寻求降低成本地方法，一部分企业引入先进地成本经管方式——目标成本