我國中小企業(yè)融資中存在的問題與原因探析-wenkub
2023-04-10 00:10:52 本頁面
【正文】 22 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?！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 中小企業(yè)融資難的成因分析 ...............................................2 企業(yè)自身整體素質(zhì)的因素 .................................................2 中小企業(yè)規(guī)模小、實力弱、經(jīng)營風(fēng)險高 .................................2 中小企業(yè)財務(wù)制度不規(guī)范、信息透明度低、信用觀念不強，導(dǎo)致融資成本高 .2 抵押市場不發(fā)達，中小企業(yè)缺乏適宜的可抵押資產(chǎn)，影響間接融資 .........3 我國金融體系的因素 .....................................................3 金融機構(gòu)向中小企業(yè)貸款的激勵機制不足 ...............................3 缺乏專門服務(wù)于中小企業(yè)的金融機構(gòu) ...................................4 缺乏通暢的直接融資渠道 .............................................4 國家宏觀政策因素 .......................................................4 缺乏公平
黨政相關(guān)相關(guān)推薦
鄂ICP備17016276號-1