我国中小企业融资方式选择的问题研究.docxVIP

我国中小企业融资方式选择的问题研究 我国中小企业融资方式选择的问题研究 毕业论文（设计） 题 目： 完 成 人： 专 业： 国际经济与贸易 指导教师： 摘要 ·············································· (1) 一、中小企业的融资现状 ····························· (1) (一)中小企业的融资渠道和现状 ·························· (1) (二)中小企的主要融资模式 ····························· (3) (三)中小企业的融资策略 ······························· (4) 二、中小企业融资中存在的问题 ························ (4) (一)融资成本偏高 ··································· (4) (二)融资结构不合理 ·································· (5) (三)融资结构不畅通 ·································· (5) 三、影响中小企业融资问题的因素分析 ·················· (5) (一)环境因素······································· (5) 1.国家政策的影响 ·································· (5) 2.金融机构因素 ··································· (6) 3.信用担保体系因素 ································ (6) 4.直接融资因素 ··································· (6) 5.法律体系因素 ··································· (7) 6.社会信用环境的恶化 ···························· (7) (二)中小企业自身因素 ································ (7) 1.中小企业自身规模的制约 ··························· (8) 2.中小企业素质较低，信用状况较差 ····················· (8) 3.财务管理不规范理财薄弱 ··························· (8) 4.中小企业缺乏担保物 ······························· (8) 5.中小企业人才匮乏 ································ (8) 四、提高中小企业融资效率的对策和建议 ················ (8) (一)政府的主导作用 ·································· (9) (二)银行为中小企业提供优惠政策 ························ (9) (三)建立健全中小企业法律法规 ·························· (9) (四)建立和完善信用担保制度 ··························· (9) (五)加强中小企业自身建设，全面提升中小企业素质 ············ (9) 五、总结 ········································· (10) 参考文献 ········································· (10) Abstract ·········································· (11) 我国中小企业融资方式选择的问题研究 摘要:目前，中小企业已是我国国民经济的重要组成部分，其对经济的促进作用也日益显现。这些企业在扩大就业、增加财政收入、方便群众生活等方面发挥着重要的作用。特别在对中大型企业的拾遗补缺方面发挥了不可替代的作用。中小企业本身的发展也面临着很大的困难，其中融资困难、资金短缺成为制约其发展的主要瓶颈。因此，如何有效解决中小企业融资问题已关系到我国构建和谐社会的进程。 关键字：中小企业；融资难；选择；对策 经济体制改革以来，我国中小企业如雨后春笋般迅速发展，