金融專業(yè)畢業(yè)論文關(guān)于我國(guó)中小企業(yè)融資問(wèn)題研究(已修改)
2025-01-30 07:57 本頁(yè)面
【正文】 關(guān)于我國(guó)中小企業(yè)融資問(wèn)題研究楊川商學(xué)院經(jīng)濟(jì)學(xué)專業(yè)2008級(jí) 指導(dǎo)教師：楊羽摘 要：中小企業(yè)是我國(guó)現(xiàn)代經(jīng)濟(jì)活躍的基礎(chǔ)，其在擴(kuò)大就業(yè)、活躍市場(chǎng)、增加收入、穩(wěn)定社會(huì)以及形成合理的國(guó)民經(jīng)濟(jì)結(jié)構(gòu)等方面發(fā)揮著難以替代的作用。然而中小企業(yè)由于自身抗風(fēng)險(xiǎn)能力較弱、規(guī)模較小、使得其在融資方面很難得到足夠多的支持。融資問(wèn)題是阻礙大多數(shù)中小企業(yè)健康穩(wěn)定發(fā)展的主要因素，也是影響其擴(kuò)大生產(chǎn)與盤活資金的重要問(wèn)題。本文從中小企業(yè)融資的相關(guān)理論及其發(fā)展?fàn)顩r切入，對(duì)我國(guó)中小企業(yè)在融資過(guò)程中存在的問(wèn)題進(jìn)行分析，并在此基礎(chǔ)上提出解決我國(guó)中小企業(yè)融資問(wèn)題的對(duì)策。關(guān)鍵詞：中小企業(yè)；融資問(wèn)題；對(duì)策Research on the Financial Problems of Chinese Smallmedium EnterprisesYang ChuanSchool of business 2008 Grade Economics major Instructor:Yang YuAbstract: SmallMediums Enterprises are the foundation of modern economic activity. They are playing an important role in increasing employment, animating market, raising ine, stabilizing society and forming healthy national economic structure. However, Smallmedium Enterprises, due to weak antirisk ability small size makes it difficult to get enough financing support. The financing issue has bee the main constrictive factor in the Smallmedium Enterprises’ healthy development process, it also has an adverse effect on the Smallmedium Enterprises’ expand production and float capital. First, this paper cut into the theory of SME financing and development. Second, it further analyzes the current financing situation in China. Finally, based on the above analyzes, In order to solve the financing problems, the paper puts forward some suggestions. Key words: Smallmedium enterprises；financing problems；solution 引言 改革開飯以來(lái)，隨著我們對(duì)非公有制經(jīng)濟(jì)地位、作用認(rèn)識(shí)的不斷深化，各級(jí)政府采取強(qiáng)有力的措施，鼓勵(lì)、支持、引導(dǎo)多種所有制經(jīng)濟(jì)健康快速發(fā)展。大量中小企業(yè)如雨后春筍般地涌現(xiàn)出來(lái)。國(guó)際經(jīng)濟(jì)界、學(xué)術(shù)界普遍認(rèn)為，中小企業(yè)將是21世紀(jì)經(jīng)濟(jì)發(fā)展的主角。它能夠適應(yīng)多變的市場(chǎng)需求，在促進(jìn)我國(guó)經(jīng)濟(jì)增長(zhǎng)、擴(kuò)大就業(yè)、促進(jìn)技術(shù)進(jìn)步、發(fā)展國(guó)際貿(mào)易、提供服務(wù)等方面發(fā)揮了突出作用，并成為拉動(dòng)經(jīng)濟(jì)的新增長(zhǎng)點(diǎn)，是我國(guó)國(guó)民經(jīng)濟(jì)的重要組成部分，為國(guó)家的經(jīng)濟(jì)發(fā)展起到了不可替代的作用。中小企業(yè)是一個(gè)相對(duì)和動(dòng)態(tài)的概念，不同的國(guó)家由于其社會(huì)、經(jīng)濟(jì)、自然、科技的不同，對(duì)中小企業(yè)的界定不盡相同，即使在同一國(guó)家，不同的歷史時(shí)期也有不同的界定標(biāo)準(zhǔn)。2003年2月19日我國(guó)國(guó)家經(jīng)濟(jì)貿(mào)易委員會(huì)，國(guó)家發(fā)展計(jì)劃委員會(huì)、財(cái)政部、國(guó)家統(tǒng)計(jì)局聯(lián)合公布《關(guān)于印發(fā)中小企業(yè)暫行規(guī)定標(biāo)準(zhǔn)通知》。我國(guó)中小企業(yè)劃分標(biāo)準(zhǔn)見(jiàn)圖表（） 《小企業(yè)標(biāo)準(zhǔn)暫行規(guī)定》中小企業(yè)劃分標(biāo)準(zhǔn)行業(yè)中型企業(yè)小型企業(yè)職工人數(shù)（人）銷售額（萬(wàn)元）資產(chǎn)總額（萬(wàn)元）職工人數(shù)（人）銷售額（萬(wàn)元）資產(chǎn)總額（萬(wàn)元）工業(yè)300—20003000—300004000—40000300以下3000以下4000以下建筑業(yè)600—30003000—300004000—40000600以下3000以下4000以下零售業(yè)100—5001000—15000100以下1000以下批發(fā)業(yè)100—2003000—30000100以下3000以下交通運(yùn)輸業(yè)500—30003000—30000500以下
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