中小企业融资问题探讨.docVIP

PAGE PAGE II 中小企业融资问题探讨 摘 要 中小企业是各国普遍存在的一类企业群体，并且中小企业在经济发展中的作用也越来越重要。对于我国来说，中小企业在我国经济中占有重要地位。中小企业对于拉动中国经济增长以及缓解就业压力、推动社会发展等方面发挥着重要作用。但是融资难的问题却一直制约着中小企业的发展，虽然国内专家提出了很多理论，但都没有解决这一问题。中共十八大提出了“国退民进”这一概念，发展民营企业成为当今时代的主题。在此时，重新对中小企业融资这一问题进行研究很有时代意义和现实意义。 本文针对中小企业融资难这一问题，分别从基本概念、融资现状、问题原因及解决途径等方面做出了详细的论述。首先介绍了国内外对于中小企业的最新界定以及融资的基本概念，然后分析了目前我国法律和政策对于中小企业融资的帮助、融资渠道的现状以及信用担保体系的现状。发现了阻碍我国中小企业融资的主要问题是法律法规不完善、融资渠道狭窄和信用担保体系不完善。在借鉴国外的实践经验以及前人的研究基础上，提出了针对我国目前情况的解决办法，即完善有关中小企业融资的法律法规、扩大融资渠道、继续建设信用担保体系等。 关键词：中小企业；融资；问题研究 ABSTRACT Small?and?medium-sized?enterprises?are?very?common?types?of?enterprise?groups?in?nearly?every?country?and?the?influence?of?them?is?becoming?more?and?more?significant?in?economic?development.?Small?and?medium-sized?enterprises?occupy?particularly?important?places?for?our?nation’s?economy.?They?give?full?play?to?China’s?economic?growth,?employment?pressure-reduction,?social?advancement?and?so?on.?However,?the?difficulty?of?financing?always?restricts?the?development?of?small?and?medium-sized?enterprises.?Although?the?domestic?experts?put?forward?many?theories,?the?problem?is?still?lingering.?The?18th?National?People’s?Congress?put?forward?the?concept?of?“state-owned?enterprise?withdraw?and?private-owned?enterprises?enter”?which?makes?the?idea?of?developing?private?enterprises?become?our?times’?current?theme.?At?this?point,?to?study?the?problems?of?the?small?and?medium-sized?enterprises’?financing?is?of?great?time?and?realistic?significance. Aiming at the issue of small and medium enterprises’ financing difficulties, this article is going to make a elaboration respectively from the basic concept, the financing present situation, problems, reasons and solutions. First and foremost, it introduced the latest definition towards small and medium-sized enterprises at home and abroad and the basic concept of financing. And then it analyze the current Chinese laws and policies’ help to small and medium-sized enterprises’ financing, the current situation of financing