【正文】 上[1]。 Financing COUNTERMEASURE。 (2) making efforts to enhance the market status of small and medium sized enterprises: the adjustment of petitive strategies。 關(guān)鍵字 ： 中小企業(yè) ；融資；對策；原因 湖南科技大學(xué)瀟湘學(xué)院本科生畢業(yè)設(shè)計（論文） ii Abstract With the deepening of the economic system is developing, the problem of Chinese MSES finance has aroused more and more discussion and great concern, on the one hand, the development of MSES has bee motive force of national economic sustainable growth, even has bee important foundation of society steady。 通過分析研究中小企業(yè)融資難的深層原因，采用對應(yīng)的策略。 本文首先對中小企業(yè)作了界定，分析了中小企業(yè)的發(fā)展現(xiàn)狀。湖南科技大學(xué)瀟湘學(xué)院本科生畢業(yè)設(shè)計（論文） i 摘 要 隨著經(jīng)濟(jì)體制改革的深入，我國中小企業(yè)的發(fā)展問題引起人們越來越多的討論和關(guān)注，一方面，中小企業(yè)的發(fā)展己經(jīng)成為支撐我國經(jīng)濟(jì)持續(xù)增長的強(qiáng)大動力，甚至成為我國社會穩(wěn)定的重要基礎(chǔ) 。另一方面，中小企業(yè)的進(jìn)一步發(fā)展正陷入越來越嚴(yán)重的困境，特別是融資難的問題已經(jīng)成為束縛中小企業(yè)發(fā)展的最大障礙。接著本文對中小企業(yè)融資難的現(xiàn)狀及表現(xiàn)形式作了闡述，在第三章中對中小企業(yè)融資難的原因及對策作了詳細(xì)的分析，最后提出了三個提高中小企業(yè)融資能力的創(chuàng)新思路：（一）新銀企關(guān)系的 建立（二）努力提高市場地位：競爭戰(zhàn)略的調(diào)整（三）集團(tuán)化戰(zhàn)略。最后本文認(rèn)為，為加強(qiáng)中小企業(yè)的融資能力，中小企業(yè)不能再走原來“等、靠、要”的老路子，應(yīng)該主動出擊，按照市場規(guī)律，實(shí)現(xiàn)經(jīng)營思想的轉(zhuǎn)變，進(jìn)行戰(zhàn)略的調(diào)整，進(jìn)而提高中小企業(yè)的融資能力 。 on the other hand, the further development of MSES is more and more in embrassasse, especially the problem of financing has bee the most impediment to prevent small firm growth. Firstly, this paper defines what MSES are and analyzes current development of MSE and then gives full explanation on the current situation and the forms of performance of financial difficulties. In chapter3 we make a prehensive analysis of the reasons and countermeasures for medium and smallsized enterprises’ difficulty of absorbing capital. Finally, the paper proposes some creative strategies of how to enhance small and medium sized enterprise’ ability of absorbing capital: (1) the establishment of new relation between banks and enterprises。 (3) the strategies of collectivization. On the basis of analyzing and researching into more incentive reasons and the countermeasures. It is believed that in order to strengthen medium and smallsized enterprise’ability of absorbing capital, MSES could not take the way of waiting, depending, and wanting but actively take action. MSES Should change their ideas of business, adjusting the strategies in accordance with marketing law and thereby advances the capability of financing of small and medium sized enterprises. Key Words: small and medium sized enterprises。 CAUSE湖南科技大學(xué)瀟湘學(xué)院本科生畢業(yè)設(shè)計（論文） i 目 錄 第一章 緒論 ......................................................................................... 1 研究背景 .......................................................................................................................... 1 研究的意義 ...................................................................................................................... 1 文獻(xiàn)綜述 ............................................................. 2 第 二 章 中小企業(yè)概況 ........................................................................... 3 中小企業(yè)的界定 ...........................................................................................................................................3 中小企業(yè)的融資渠道 .................................................................................................................................3 我國中小企業(yè)的發(fā)展?fàn)顩r及存在問題 ..............................................................................................5 第 三 章 我國中小企業(yè)融資困境的表現(xiàn)形式 ............................................. 7 中小企業(yè)融資難的現(xiàn)狀 ...........................................................................................................................7 中小企業(yè)融資困境的表現(xiàn)形式 ............................................................................................................8 第 四 章 我國中小企業(yè)融資難的原因與對策分析 .................................... 10 我國中小企業(yè)融資難的主要原因分析 .......................................................................................... 10 我國中小企業(yè)融資難問題的對策分析 ...........................................................................................11 第 五 章 解決中小企業(yè)融資問題的創(chuàng)新思路 ........................................... 15 建立 新型銀企關(guān)系 .................................................................................................................................. 15 實(shí)施 集團(tuán)化戰(zhàn)略 ....................................................................................................................................... 15 提高市場地位：競爭戰(zhàn)略的調(diào)整 .................................................................................................... 16 結(jié)束語 ................................................................................................. 19 致謝 .................................................................................................... 20 參考文獻(xiàn) ............................................................................................. 21湖南科技大學(xué)瀟湘學(xué)院本科生畢業(yè)設(shè)計（論文） 1 第一章 緒 論