中小企业融资难对策研究.docxVIP

中小企业融资难对策研究 摘 要 改革开放之后，中国经济的发展进入了突飞猛进的时代，在此过程中，中小企业发展迅速，逐渐成为中国经济发展的支柱性力量。中小企业的发展推动了经济发展和科技进步，优化了资源配置，使得资源利用更加合理，而且提供了数以万计的就业机会，促进就业的发展，成为推动社会发展的重要力量。然而，随着中小企业的快速发展，中小企业融资的难度与日俱增，中小企业需要迫切解决融资难的问题。本文主要介绍了中小企业的融资现状、中小企业目前面临的主要困难和造成过中小企业融资困难因素。最后，按照中小企业融资困难的原因，从企业和政府层面分析如何解决中小企业融资难的问题，并且对于中小企业的发展提供策略和建议，对解决中小企业融资难的问题具有一定的参考意义。 关键词：中小企业；融资难；风险管理；借贷风险 Abstract After the reform and opening up, Chinas economic development has entered an era of rapid development. In this process, small and medium-sized enterprises have developed rapidly and gradually become the pillar force of Chinas economic development. The development of small and medium-sized enterprises has promoted economic development and technological progress, optimized resource allocation, made resource utilization more reasonable, and provided tens of thousands of employment opportunities, promoted the development of employment, and became an important force for social development. However, with the rapid development of SMEs, the difficulty of financing for SMEs has become increasingly apparent, and it is urgent to solve the problem of financing for SMEs. This article mainly describes the current situation of SME financing and the risks it brings to enterprises through this financing method. It further studies and analyzes how borrowing has led to SME financing risks. Finally, according to the causes of financing risks, it is analyzed at the corporate and government levels. , Put forward strategies and suggestions for the companys development, in order to bring some reference and guidance significance to the solution of SME financing difficulties Key words：small and medium-sized enterprises; financing difficulties; risk management; borrowing risks 第1章 引言 1.1研究目的及研究意义 中小企业是中国经济社会发展的重要力量。我国中小企业的发展规模越来越大,每天都会有成百上千家小企业成立。中小企业是我国提高就业率、稳定社会的中坚力量，他们产生的税收和创造的国民生产总值占据全国总量的规模十分可观。但是，作为中国市场经济的重要主体，中小企业融资难的问题仍然没有解决。如不完善的管理体系，高风险，低风险抵御能力和高运行成本的问题仍然阻碍中小企业发展。据统计，在我国融资难的中小企业中，有近七成的中小企业存在资金中度匮乏，近两成的中小企业存在严重的资金问题。中小企业发展的现状对商业银行等提出了