淺析我國中小企業(yè)的融資問題-wenkub
2023-04-10 02:23:15 本頁面
【正文】 了充足的就業(yè)機(jī)會(huì)。然而目前中小企業(yè)融資難問題是制約其發(fā)展的最重大的瓶頸因素。s economy, small and mediumsized enterprises in the national economy in the proportion of the increasingly swollen. At present our country small and mediumsized enterprise accounting for over ninety percent of the total enterprises in the whole country, its existence and development for the society not only create economic wealth, more people with enough jobs. But now, middle and small enterprise financing difficult problem is that limit the development of the most significant bottleneck factor. The reasons for this are formed, except for small and mediumsized enterprise development itself is not perfect factors, small and mediumsized enterprise credit guarantee system and bank financing institutions such as the financing system outside not perfect, more important is the national financial policy on small and medium enterprise financing constraints. To solve these problems, small and mediumsized enterprises shall improve their overall quality and prehensive petitiveness, the enhancement enterprise39。 Credit guaranteeII目 錄目 錄 III前 言 11中小企業(yè)發(fā)展現(xiàn)狀 1 1 融資難問題的提出 12 中小企業(yè)的融資現(xiàn)狀分析 1 1 23 融資難問題的原因分析 2 2 3 3 國家金融政策的制約 44解決融資困境的方法 4 提高企業(yè)綜合競爭力 4 完善信用擔(dān)保體系 5 5 政府制定相應(yīng)政策 5 65 結(jié)束語 6參考文獻(xiàn) 8致 謝 9前 言改革開放以來，我國中小企業(yè)逐漸發(fā)展壯大。金融機(jī)構(gòu)對中小企業(yè)的貸款比例與國有企業(yè)的貸款份額相比較低，和中小企業(yè)對我國國民經(jīng)濟(jì)發(fā)展的貢獻(xiàn)極不相稱。目前全國中小企業(yè)的在所有企業(yè)的比重已達(dá)九成以上。82 中小企業(yè)的融資現(xiàn)狀分析中小企業(yè)的融資方式可分為直接融資和間接融資。間接融資是指通過銀行等金融中介機(jī)構(gòu)，把分散主體的資金集中起來，再通過信貸方式貸給資金需求者的融資方式，借助的方式主要是存貸款。其原因主要是銀行一般只為中小企業(yè)提供短期貸款，而且需要擔(dān)保方。3 融資難問題的原因分析中小企業(yè)資本規(guī)模小，信用觀念淡漠，導(dǎo)致銀行放貸慎之又慎。同時(shí)，中小企業(yè)財(cái)務(wù)制度不健全，內(nèi)部控制制度不完善，會(huì)計(jì)信息失真，造成銀行與企業(yè)信息不對稱，為中小企業(yè)融資增加了難度。同時(shí)，部分企業(yè)管理者觀念保守，缺乏謀發(fā)展、思進(jìn)取的創(chuàng)業(yè)意識(shí)和充分挖掘市場潛能和利用市場信息的能力，制約
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