我國(guó)中小企業(yè)融資困境的成因及對(duì)策畢業(yè)論文-展示頁(yè)
2025-07-07 18:04本頁(yè)面
【正文】 ediumsized enterprises of financial support but its contribution is not symmetric. Financing has bee our country small and mediumsized enterprise development problems. This article prehensive analysis of small and medium enterprises on the basis of the basic theory, the financing difficulties of SMEs in China present situation and the reason carries on the analysis, and to learn from foreign successful experience39。s rapid development of small and mediumsized enterprises, in the national economy has bee the most dynamic growth, bee our country39。關(guān)鍵詞：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。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)。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。但是長(zhǎng)期以來(lái),由于各種原因,我國(guó)的中小企業(yè)所獲得的金融支持卻與其貢獻(xiàn)并不相稱(chēng)。自學(xué)考試本科畢業(yè)論文（設(shè)計(jì)） 存檔編號(hào)：___________ 畢業(yè)論文（設(shè)計(jì)）題 目 我國(guó)中小企業(yè)的融資困境及對(duì)策目 錄摘 要……………………………………………………………………………1關(guān)鍵詞……………………………………………………………………………1緒 論……………………………………………………………………………3 一、 中小企業(yè)及其融資的概念…………………………………………………3（一）中小企業(yè)的概念和作用……………………………………………………3（二）中小企業(yè)融資………………………………………………………………6（三）我國(guó)中小企業(yè)的融資………………………………………………………7二、 中小企業(yè)融資現(xiàn)狀……………………………………………………………8三、 中小企業(yè)融資困境的成因分析………………………………………………8（一）中小企業(yè)自身的問(wèn)題造成的融資困境……………………………………8（二）中小企業(yè)融資困境的外部原因……………………………………………9（三）中小企業(yè)融資困難的主要原因……………………………………………10四、 金融危機(jī)下中小企業(yè)融資雪上加霜…………………………………………10（一）金融危機(jī)概述………………………………………………………………11（二）金融危機(jī)對(duì)中小企業(yè)融資的負(fù)面影響……………………………………11五、 金融危機(jī)下中小企業(yè)融資的國(guó)際借鑒………………………………………12（一）發(fā)達(dá)國(guó)家的經(jīng)驗(yàn)借鑒………………………………………………………12（二）發(fā)展中國(guó)家的經(jīng)驗(yàn)借鑒……………………………………………………13六、 中小企業(yè)融資困難的對(duì)策……………………………………………………14七、 金融危機(jī)下解決我國(guó)中小企業(yè)融資問(wèn)題的對(duì)策……………………………16（一）中小企業(yè)積極改善自身的融資環(huán)境………………………………………16（二）進(jìn)一步加快現(xiàn)代規(guī)范企業(yè)制度建設(shè)………………………………………17（三）建立專(zhuān)門(mén)的中小企業(yè)金融機(jī)構(gòu)，鼓勵(lì)中小企業(yè)建立互助金融組織……17結(jié) 論………………………………………………………………………………17致謝詞………………………………………………………………………………18參考文獻(xiàn)……………………………………………………………………………19摘 要革開(kāi)放以來(lái),我國(guó)的中小企業(yè)發(fā)展迅速,已經(jīng)成為國(guó)民經(jīng)濟(jì)中最具活力的增長(zhǎng)點(diǎn),成為我國(guó)社會(huì)主義市場(chǎng)經(jīng)濟(jì)的重要組成部分。融資難己經(jīng)成為制約我國(guó)中小企業(yè)發(fā)展的普遍性問(wèn)題。中國(guó)經(jīng)濟(jì)的發(fā)展，尤其是民營(yíng)經(jīng)濟(jì)的發(fā)展一直是我國(guó)經(jīng)濟(jì)發(fā)展的亮點(diǎn)，而在這背后卻是一些中小企業(yè)的發(fā)展在融資的困境中停滯不前，融資難一直是困擾我國(guó)中小企業(yè)發(fā)展的問(wèn)題所在。然而，隨著中小企業(yè)規(guī)模的擴(kuò)大和產(chǎn)業(yè)升級(jí)的需要，中小企業(yè)的發(fā)展卻受到資金短缺的困擾，融資往往會(huì)使小企業(yè)貽誤市場(chǎng)良機(jī)，融資難的問(wèn)題至今沒(méi)有得到根本解決，從而成為阻礙其健康發(fā)展和經(jīng)濟(jì)持續(xù)增長(zhǎng)主要制約因素。本文從我國(guó)中小企業(yè)的融資困境入手，通過(guò)實(shí)際調(diào)查數(shù)據(jù)反映中小企業(yè)的融資特點(diǎn)，分析形成我國(guó)中小企業(yè)融資現(xiàn)狀的原因，再與國(guó)際發(fā)達(dá)國(guó)家對(duì)此問(wèn)題的解決方案進(jìn)行比較與借鑒，參考中小企業(yè)融資的經(jīng)典成功案例，歸納出對(duì)我國(guó)中小企業(yè)融資的幾項(xiàng)解決建議。 中小企業(yè)；融資；資金短缺；金融危機(jī)1AbstractSince 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 healthy development and sustained economic growth main restricting factors.Keywords: Small and Medium Enterprises(SMEs)。 Finance。Shortage of funds
職業(yè)教育相關(guān)推薦
鄂ICP備17016276號(hào)-1