中小企業(yè)融資難問題探析財(cái)務(wù)管理專業(yè)畢業(yè)設(shè)計(jì)畢業(yè)論文(存儲(chǔ)版)
【正文】 業(yè)銀行信貸成本和信息收集成本，也在一定程度上影響了銀行向中小企業(yè)提供貸 款。經(jīng)營(yíng)管理缺陷是影響中小企業(yè)融資的內(nèi)生障礙。貸款成本提高，中小企業(yè)獲取銀行貸款的綜合成本上升幅度至少在 13%以上，遠(yuǎn)遠(yuǎn)高于一年期貸款基準(zhǔn)利率。盡管目前針對(duì)中小企業(yè)從國(guó)家到地方都制定了一系列支持政策，但在實(shí)踐中由于信用等級(jí)、高風(fēng)險(xiǎn)等原因，其貸款利率一般高于市場(chǎng)平均水平，而且?guī)缀醮蠖嗖扇〉盅夯驌?dān)保的方式發(fā)放貸款，較少有信用貸款。 3 2 我國(guó)中小企業(yè)融資的現(xiàn)狀分析 中小企業(yè)在國(guó)民經(jīng)濟(jì)中的地位 近年來(lái)，中小企業(yè)的社會(huì)地位日漸突出，對(duì)經(jīng)濟(jì)社會(huì)發(fā)展的貢獻(xiàn)越來(lái)越大。 12 2 1 引言 改革開放以來(lái)，我國(guó)的中小企業(yè)主要是民營(yíng)企業(yè)獲得了迅速發(fā)展，已成為國(guó)民經(jīng)濟(jì)的重要組成部分，成為我國(guó)全面實(shí)現(xiàn)小康目標(biāo)的重要力量，在發(fā)展經(jīng)濟(jì)﹑擴(kuò)大就業(yè)﹑活躍市場(chǎng)等方面發(fā)揮著重要作用。 3 中小企業(yè)融資存在的問題 s economic system and for its own reasons, Small and Medium Sized Enterprises are still facing many problems in the process of development, especially the financing difficulties has bee a bottleneck, restricting the healthy development of Small and Medium Sized Enterprises in China, so how to crack the shortage of finance for Small and Medium Sized Enterprises and improve the efficiency of financing has increasingly bee the key to the healthy development of Small and Medium Sized Enterprises. In this paper, it will introduce the current status of small and medium enterprises, analyzing the problems of Small and Medium Sized Enterprises’ financing, analysis the reason of Small and Medium Sized Enterprises’ financing difficult from two aspect: their own management and imperfect of financial system. Finally, propose some policies to improve the development of Small and Medium Sized Enterprises, alleviate the financing shortage of Small and Medium Sized Enterprises, and promote sound and fast development of Small and Medium Sized Enterprises in China. Keywords: Small and Medium Sized Enterprises Financial problem Suggestion 1 目 錄 摘要 本人授權(quán)省級(jí)優(yōu)秀學(xué)士學(xué) 位論文評(píng)選機(jī)構(gòu)將本學(xué)位論文的全部或部分內(nèi)容編入有關(guān)數(shù)據(jù)庫(kù)進(jìn)行檢索，可以采用影印、縮印或掃描等復(fù)制手段保存和匯編本學(xué)位論文。 作者簽名： 年 月 日 學(xué)位論文版權(quán)使用授權(quán)書 本學(xué)位論文作者完全了解學(xué)院有關(guān)保管、使用學(xué)位論文的規(guī)定，同意學(xué)院保留并向有關(guān)學(xué)位論文管理部門或機(jī)構(gòu)送交論文的復(fù)印件和電子版，允許論文被查閱和借閱。 關(guān)鍵字： 中小企業(yè) 融資 建議 ii Abstract At present, Small and Medium Sized Enterprises plays a very important role in China’s economic development, making outstanding contributions in terms of employment, promoting economic development and enhancing economic vital
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