温州中小企业融资问题探讨.docVIP

河南财经政法大学成功学院本科生毕业论文 温州中小企业融资问题研究 院系名称 管理系 姓　　名 唐晓恒 学　　号 2008442561 专　　业 会计学 指导教师 吴冉 讲师 2012-5-04 PAGE IV 摘 要 在过去的20多年里，“温州模式”以其顽强的生命力和持续成长力创造了一个奇迹，给人们留下了深刻印象。温州民营中小企业在地区经济格局中占据着主导地位，故其兴衰将直接决定“温州模式”能否再创辉煌。资本是市场经济发展的第一推动力，作为中国民营化、市场化改革的先行者和市场经济的重要发祥地，温州模式的发展壮大，可以说，没有资金的融通，就没有今天的温州小企业，就没有今天的温州模式，所以很有必要对温州中小企业融资问题做一个深入的研究和探讨。 本文首先对温州中小企业在量和值上都作了界定，并分析了当今温州中小企业融资的现状是自有资金仍占最大比重，民间融资占比相对较小，正规银行金融服务在民营中小企业的融资结构中占据越来越重要的地位，银行贷款大幅增长。但近几年短期民间借贷极为活跃，并催生出大量名义上做担保业务，但实际上从事资金高利贷的担保公司，说明温州中小企业还是面临融资难得现状，在分析融资现状的基础上进一步分析目前中小企业融资存在困难的症结是由企业自身原因、银行融资渠道并不顺畅以及缺乏多层次的资本市场这三方面原因组成。在本文的最后一章，着重提出了破解中小企业融资难的对策是规范和发展温州自身的经济模式，其次是加大对中小企业的银行融资支持和加强信用担保体系建设，最后对温州中小企业在资本市场上的融资前景做了一些展望。 关键词：温州；中小企业；融资研究?MACROBUTTON NoMacro [Click and type abstract text here.]  Abstract In the past twenty years, Wenzhou Model, with its strong vitality and continued growth, created one after another miracles and impressed people deeply. The private small and medium enterprises(SMEs) occupy a dominant position in Wenzhou’s economic structure, and their performance directly determines weather “Wenzhou model” could create greater glories. Capital market is the first impetus for economic development. As the forerunner of China’s privatization and market-oriented reforms, as the important birthplace of the market economy, the development of Wenzhou Model inevitably promoted financial intermediation, and financial intermediation promoted the further development of Wenzhou Model as well. It can be said that no today’s Wenzhou model. Therefore,it is necessary to do an in-depth researth and study for SMEs’ financial problems in Wenzhou. This paper first defined Wenzhou SMEs from the aspect of quantity and quality, then analyzed the current financing status in SMEsproprietary Fund occupied the largest share, private financing accounted relatively narrow. At the same time, the formal banking and financial services substantially grow in the financing for SMEs. But in the past several years, short-term private loans play