【導(dǎo)讀】據(jù)我所知，除文中已經(jīng)注明引用的內(nèi)容外，本論文（設(shè)計）不包含其他個人已。經(jīng)發(fā)表或撰寫過的研究成果。對本論文（設(shè)計）的研究做出重要貢獻的個人和集體，均。已在文中作了明確說明并表示謝意。有權(quán)將論文（設(shè)計）用于非贏利目的的少量復(fù)制并允許論。文（設(shè)計）進入學(xué)校圖書館被查閱。保密的論文（設(shè)計）在解密后適用本規(guī)定。論文正文字數(shù)不少于萬字。就業(yè)等都具有重要的作用。然而中小企業(yè)的發(fā)展并非一帆風(fēng)順，中小企業(yè)發(fā)展卻面臨。貸款需求得不到滿足,融資成本較高等融資問題。當(dāng)前中小企業(yè)面臨的最大問題就是融。因此在這種特殊的背景下，以科學(xué)的態(tài)度對中小企業(yè)融資問題進行評析，研究中。的形成原因進行分析，并探討相應(yīng)的對策。中小企業(yè)而言，對該方面的關(guān)注和加強就顯得更為急迫而現(xiàn)實。研究能力有限，僅能就此問題做一些粗淺的探討，深知尚有很多的不足之處有待完善。

　　

【正文】 indicated innovation as something their anisation lacked. In view of the world economy39。s continuing recovery, SMEs will play a key role in developing the entrepreneurial culture and spirit of innovation that is particularly important for stimulating overall economic activity. Although China has no shortage of labour, many panies are beginning to recognise the vital role a capable workforce plays in sustaining continuous innovation within an anisation. ‘Qualified talent39。 is listed by Chinese SMEs as the top critical influencer of sustainable innovation, followed by Core petitive advantage and Ramp。D. 22 Innovation aside, respondents to UPS ABM 2020 indicated that, despite general optimism towards an economic recovery, many SMEs still had concerns over costs and staff retention and remuneration. At the same time, one in four Chinese SMEs surveyed perceived supply chain management largely as an effective means of cutting costs. Close to 80 percent of Chinese SMEs in this year39。s survey felt the need to change their supply chain practices in order to increase their anisation39。s petitiveness, including 26 percent who felt that they needed to focus on reducing transportation and distribution costs. Operating costs are monly cited as obstacles to anisational growth. Proper supply chain strategy and practices can help panies remove these obstacles, explore business opportunities in new industry sectors, and serve as a key driver of business development and accelerated globalisation. Remarkably, UPS ABM 2020 has shown that SMEs throughout the Asia Pacific are being increasingly aware of the tangible influence supply chain management has on building a pany39。s petitiveness, both on a local level and at a global scale, said Richard. Other UPS ABM 2020 highlights include the following: For Chinese SMEs, the glass is half full in 2020 Respondents to UPS ABM 2020 exhibited increased optimism towards a continued economic recovery. Of those surveyed, 65 percent believe their pany39。s prospects are much better in 2020 than in 2020. Furthermore, over half of the respondents in China anticipate positive economic growth prospects for the region, and another 34 percent expect the economic growth prospects to stay the same as last year. Only 12 percent of SMEs expect the economy to decline this year, which pares well to last year39。s figure of 61 percent. SMEs plan to expand their businesses anically 23 One firm indicator of business success is the willingness of an anisation to take on additional labour costs. Almost half, or 47 percent, of Chinese SMEs indicated they would increase workforce by up to or over 10 percent in 2020, pared to 35 percent in 2020. Although SMEs may have difficulty in attracting top talent, advantages, such as system flexibility and development potential allow them to offer incentives patible with their own anisational structures. There are obstacles to getting off the ground SMEs are encountering more problems with starting their businesses than growing their business. Of the Chinese SMEs surveyed, 70 percent believe they have encountered financing problems, with 49 percent indicating bureaucracy and red tape in processing applications as the problem most monly encountered. Noheless, 2020 may turn out to be a promising year for Chinese SMEs as results show that much fewer SMEs are encountering financing problems. Close to a third (30 percent) of respondents indicated no problems encountered in financing their business, as pared to only 17 percent in 2020. The grass is greener on the other side of the border Chinese SMEs seem eager to explore business opportunities beyond their native borders. Almost half, or 46 percent, of Chinese SMEs surveyed felt that market growth, growing business into other regions/overseas market/overseas resources was the type of business opportunity they would be most willing to explore. Given the changes in the financial services sector, perceived sector opportunities are shifting With the impact of the global economic crisis on the financial services sector, many businesses, including Chinese SMEs are looking to other sectors when searching for new opportunities. When asked which industries would bee key economic pillars for China over the next three to five years, SMEs listed building and 24 construction (34 percent), IT (28 percent), and manufacturing (25 percent) as their top three. This is in line with recent global statistics, including an estimate by the World Bank, that approximately half of the world39。s new building construction will take place in China between now and 2020. Moreover, according to a forecast by Global Construction Perspectives and Oxford Economics, China will overtake the United States as the world39。s largest construction market by 2018.