我國中小企業(yè)融資中存在的問題與原因探析(已修改)
2025-04-07 00:10 本頁面
【正文】 .. .. .. ..畢 業(yè) 論 文（2022 屆）題 目 我國中小企業(yè)融資中存在的問題 及原因探析 學(xué) 院 xxxx 專 業(yè) 工商管理 年 級 2022 級 學(xué)生學(xué)號 xxxx 學(xué)生姓名 指導(dǎo)教師 .. .. .. ..摘 要長期以來,中小企業(yè)的發(fā)展在我國國民經(jīng)濟建設(shè)中發(fā)揮了重要的作用,但是它的發(fā)展卻受著資金的制約，解決中小企業(yè)融資難的問題已經(jīng)迫在眉睫。因此要對我國中小企業(yè)融資中存在的問題及其成因進行剖析并制定出相應(yīng)的措施。本文對中小企業(yè)融資現(xiàn)狀和融資困難的原因，分別從國家宏觀政策、金融體系、企業(yè)自身素質(zhì)三個方面進行分析,得出我國中小企業(yè)的社會金融體系不夠完善、信用擔(dān)保不成熟、中小企業(yè)信息不對稱、自身體制不健全、信用度低等都是造成中小企業(yè)融資困難的主要因素。并在借鑒國外經(jīng)驗的基礎(chǔ)上，結(jié)合我國國情，提出要從中小企業(yè)自身抓起，切實提高企業(yè)總體素質(zhì)，同時加速建立多層次、全方位、完善的中小企業(yè)融資支持體系和健全的經(jīng)營機制，改善中小企業(yè)融資的宏觀政策環(huán)境，才能保障中小企業(yè)健康快速的發(fā)展，促進我國國民經(jīng)濟的發(fā)展?！娟P(guān)鍵詞】：成因分析，對策，融資渠道，信用擔(dān)保體系，政策性金融機構(gòu).. .. .. .... .. .. ..AbstractFor a long time, smallmedium sized enterprises have played important roles in development of national economy construction. However, there are many factors restraining development of smallmedium sized enterprises in China, specially financing bottleneck. It is necessary to settle to solve the financing problem. First, we should analyze the financing problems of smallmedium sized enterprises and make corresponding steps. This paper mainly analyze the presenting conditions and the causes of financing plight from the following three aspects: National macropolicy、Financial system、quality of the enterprises itself, then we e to the conclusion. They are the principal factors which make the smallmedium sized enterprises hard to finance, such as the imperfection social financing system、immaturity of credit warranty、asymmetric information of the enterprises、unsound system of enterprises themselves、the low credits and so on. On the bases of benefiting from foreign experiences and fundamental realities of our country, we will get down to improve the quality of their own. At the same time, we also accelerate to build multilevels, all dimensional, perfect supportive financing system and improve the macropolicy environment. In this case, we can ensure the quick and healthy development of smallmedium sized enterprises and even our whole national economy. 【Key words】: geic analysis,countermeasure,financing channel, Credit guarantee system, The policy financial institution.. .. .. .... .. .. ..目 錄1 我國中小企業(yè)融資的現(xiàn)狀 .................................................12 中
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