中小企業(yè)融資存在的問題及對策以溫州中小企業(yè)為例本科畢業(yè)論文-全文預(yù)覽
【正文】 umsized enterprise began to try their best to finance, but because of domestic financing market imperfections, is not sound makes financing has bee small and mediumsized enterprises restricted the survival and development of important factors. So how to in a short time, improve the small and medium enterprise financing environment, solve the problem of the financing for small and mediumsized enterprises to promote the healthy growth of the national economy and ensure the stable development has the very vital significance. Combining with the hotspot nowadays most WEN ZHOU small and mediumsized enterprises financing problems specific to the analysis of the present the difficulties faced by small and mediumsized enterprises is how to form, and with the aid of this case detail small and mediumsized enterprises in the development henceforth how to solve the problem, and the government in the development of small and mediumsized enterprises shall be brought into play in the important role.Keywords: financing。因此如何在短時間內(nèi)改善中小企業(yè)的融資環(huán)境，解決其融資難的問題，對于促進(jìn)中小企業(yè)的健康成長以及確保國民經(jīng)濟(jì)的穩(wěn)定發(fā)展具有十分重要的意義。然而，相對于中小企業(yè)龐大的數(shù)量，其融資環(huán)境卻一直不太理想，特別是自金融危機爆發(fā)后，廣大的中小企業(yè)由于國際經(jīng)形勢的惡化造成企業(yè)效益日益下降，面對當(dāng)前舉步維艱的狀況，許多的中小企業(yè)開始想盡辦法進(jìn)行融資，但是由于國內(nèi)融資市場的不完善，不健全使得融資難已經(jīng)成為制約廣大中小企業(yè)生存和發(fā)展的重要因素。s entry into the WTO, the medium and small enterprises in China have mushroomed, and rapid development of the growing, and became a national economic growth in China39。 Credit guaranteeIII目錄 言 ........................................................1 ........................................2 中小企業(yè)的界定 .............................................2 中小企業(yè)的特征 .............................................2 企業(yè)數(shù)量眾多，行業(yè)分布廣泛 .............................2 市場競爭能力不強，抗風(fēng)險能力差 .........................2 普遍素質(zhì)低，技術(shù)和管理落后，產(chǎn)品質(zhì)量差 .................3 融資的基本涵義 .............................................3 中小企業(yè)融資特點 ...........................................3 融資方式單一 ...........................................4 直接融資途徑少 .........................................4 抵押擔(dān)保落實難 .........................................4 信息不對稱加劇融資難度 .................................4 ............................5 溫州中小企業(yè)融資現(xiàn)狀 .......................................5 溫州中小企業(yè)自身問題 .......................................6 經(jīng)營風(fēng)險高 .............................................6 信用水平有待提高 .......................................6 信息不對稱 .............................................7 抵押和擔(dān)保的問題 ...........................................7 擔(dān)保市場體系不健全 .....................................7 銀行抵押貸款門檻較高 ...................................7 融資渠道狹窄 ...........................................7 政府宏觀管理體制滯后 ...................................7 ............................8 強化溫州中小企業(yè)自身建設(shè) ...................................8 完善溫州中小企業(yè)抵押和擔(dān)保制度 .............................8 明確信用擔(dān)保的作用 .....................................8 正確處理好融資機構(gòu)之間的關(guān)系 ...........................9 制定專門的信用法律制度規(guī)范 .............................9 開辟多渠道融資 .............................................9 立足自身，建立多元化合作模式 ...........................9IV 充分利用外部環(huán)境資源 ..................................10 借鑒國外模式，吸取優(yōu)秀經(jīng)驗 ............................10 營造溫州中小企業(yè)良好的融資環(huán)境 ............................10 制定針對性的扶持政策 ..................................10 建立和完善金融機構(gòu)體系 ................................11 建立溫州中小企業(yè)信用擔(dān)保體系 ..........................11 完善溫州中小企業(yè)資本市場 ..............................11 .........................................................12參考文獻(xiàn) .......................................................13致謝 ...........................................................14 1 言改革開放以來，我國的中小企業(yè)得到了迅猛發(fā)展，特別是在我國加入世界貿(mào)易組織后，由于我國對外貿(mào)易的不斷擴大，越來越多的中小企業(yè)在經(jīng)濟(jì)全球化的浪潮中迅速的發(fā)展起來，尤其是對外貿(mào)易發(fā)達(dá)的沿海地帶中小企業(yè)比比皆是。2022
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