中小企业融资困境及对策研究-以西安市为例.docVIP

PAGE I PAGE I 摘要 中小企业在解决就业、科技创新和国民经济平稳发展过程中起到了至关重要的的作用。由我国中小企业现阶段的发展情况来讲，大部分企业仍然处于成长阶段，甚至有些企业处于初创阶段，因此急需大量的资金以支撑企业的发展，但是由于受到担保能力有限、财务信息不完善以及资产规模较小等因素的制约，中小企业在发展中一直面临资金匮乏的问题，而且企业融资难度比较大，中小企业要想实现长远发展必须提高融资能力。 本文基于西安市的中小企业融资困境影响因素，采用文献法、理论与实际结合法和实证分析法对西安市的融资现状中存在的困境和原因进行分析和研究，并探究提升中小企业融资能力、改善融资状况的对策。本文的主要内容包括以下几个方面：第一梳理了国内外专家学者关于中小企业融资问题的理论观点；第二针对西安市中小企业开展问卷调查，以了解其融资状况，并找出存在的问题；第三构建回归模型，针对可以影响中小企业融资能力的因素给予充分分析；将西安市30家上市中小企业当成样本，设立8个解释变量实施回归分析，通过实证分析，对影响融资问题的内部和外部融资因速进行检验，最终找出对中小企业融资能力具有显著影响力的因素；第四根据分析结果提出合理的对策，以期帮助中小企业筹集足够的资金，促进中小企业实现可持续发展。 关键词：企业融资；影响因素；对策 PAGE PAGE II Abstract SMEs those who make money in social work, living skills and wealth can create sustainably, and those who make money are the most important.From the perspective of the growth cycle of enterprises, SMEs are mostly in the stage of initial creation and growth, and at this stage, enterprises often need a large amount of capital investment. However, due to factors such as limited guarantee capacity, imperfect financial information and small asset size, SMEs have been When it comes to the bottleneck of uselessness, capital is often the main factor SMEs. Rule of Law on Financial Issues of Small Enterprises in Xian analysis method to analyze and study the difficulties and causes of the financing situation in Xian, and explores the ways to improve the financing ability of SMEs. Firstly, the internal and external theory of small business finance. Secondly, taking small and medium-sized enterprises in Xian as an example, a questionnaire survey was conducted to find out the current situation and problems of financing for small and medium-sized enterprises in Xian. Secondly, on the basis of facts, the emphasis of mobilizing capital is also examined SMEs. In this paper, 30 small and medium-sized enterprises selected by Shenzhen Stock Exchange in Xian City are taken as analysis samples. According to the financial data of the sample enterprises in 2018, eight variables are selected for research an