我國(guó)中小企業(yè)融資困局與對(duì)策-自考論文(正文)-展示頁(yè)
2025-06-17 23:33本頁(yè)面
【正文】 的中小企業(yè)所獲得的金融支持卻與其貢獻(xiàn)并不相稱。本文就在綜合分析中小企業(yè)基本理論的基礎(chǔ)上 ， 對(duì)我國(guó)中小企業(yè)融資困境的現(xiàn)狀及原因進(jìn)行了分析并在借鑒國(guó)外成功經(jīng)驗(yàn)的基礎(chǔ)上 ， 提出了適合我國(guó)國(guó)情的中小企業(yè)融資困境的解決途徑。擔(dān)保融資作為中小企業(yè)新的融資手段，為促進(jìn)中小企業(yè)的發(fā)展做出了巨大的貢獻(xiàn)。導(dǎo)致中小企業(yè)融資困境的原因是多方面的，包括中小企業(yè)自身的缺陷，銀 行 業(yè)的壟斷 ，中小金融機(jī)構(gòu)發(fā)展的滯后，民間金融市場(chǎng)的不完善等等。 關(guān)鍵詞 ：中小企業(yè)；融資；資金短缺；金融危機(jī) 我國(guó)中小企業(yè)融資困 局與對(duì)策 III ABSTRACT Since reform and opening up， China39。s important ponent of the socialist market economy. But for a long time， due to various reasons ， China39。s foundation ， proposed suits our country national condition the financing dilemma of small and mediumsized enterprises and the solution. The development of China39。s economic development has been the highlight， and behind this is the number of the development of small and mediumsized enterprises in financing predicament remain stagnant， financing difficulty is always to perplex our country small and mediumsized enterprise development problem. Secured financing of small and medium enterprises as a new means of financing， in order to promote the development of small and mediumsized enterprises have made great contributions. However， with the expansion of the scale of small and mediumsized enterprises and industrial upgrading needs， the development of small and mediumsized enterprises are subject to capital shortage， financing will often make small businesses adversely affected the market opportunity， financing problem has not been solved ， which bee an obstacle to the healthydevelopment and sustained economic growth main restricting factors. Keywords:Small and Medium Enterprises(SMEs)； Finance； Shortage of funds 我國(guó)中小企業(yè)融資困 局與對(duì)策 IV 目 錄 畢業(yè)論文原創(chuàng)性聲明 .............................................. I 畢業(yè)論文版權(quán)使用授權(quán)書 .......................................... I 摘 要 ....................................................... II 第一章 緒論 ................................................... 1 第二章 我國(guó)中小企業(yè)融資現(xiàn)狀 ..................................... 1 融資狀況 ............................................... 1 民間資本充足，但民間融資有待規(guī)范 ...................... 1 外部融資困難 ....................................... 1 內(nèi)部融資為中小企業(yè)的主要方式 ......................... 2 融資困難中所存在的問題 ................................... 2 缺乏完善的支持中小企業(yè)發(fā)展的金融機(jī)構(gòu)體系 ................ 2 信貸管理辦法不適應(yīng) .................................. 2 融資渠道單一和窄小 .................................. 3 中小企業(yè)高負(fù)債率 ................................... 3 融資政策 和環(huán)境不健全 ................................ 3 融資障礙原因分析 ........................................ 3 第三章 解決我國(guó)中小企業(yè)融資障礙的對(duì)策 ............................. 4 微觀方面的融資對(duì)策 ...................................... 4 從中小企業(yè)自身角度考察 .............................. 4 從金融機(jī)構(gòu)的角度考察 ................................ 5 從擔(dān)保機(jī)構(gòu)的角度考察 ................................ 6 從資本市場(chǎng)的角度考察 ................................ 6 宏觀方面的融資對(duì)策 .........
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