我国中小企业融资问题研究(开题报告,中期报告,论文15900字)
摘 要
随着我国社会主义市场经济的发展,中小企业在保证国民经济持续、健康、稳定发展中的作用越来越重要。中小企业对于促进我国经济社会发展、增加财政收入、扩大社会就业以及促进科技进步等方面具有重要的推动作用。据统计数据显示,我国中小企业对解决我国乡镇就业问题的贡献为75%,对国家GDP和税收的贡献分别超过了 60%和50%。随着市场经济的发展,中小企业在经济生活和社会进步等方面的贡献也将更加突出。然而由于自身抗风险能力偏弱,中小企业在发展中面临着诸多困难,其中最主要的便是融资难。
本文对国内外目前有关中小企业的研究现状进行了概述。中小企业融资难并不是我国独有,各国均面临着这一难题,虽然社会各界都在努力,从不同角度提出问题的解决方案,但是这一难题的解决,需要不断结合社会经济发展新情况提出应对方针。然而融资困难已成为中小企业快速、健康发展的瓶颈,严重阻碍了中小企业的发展。因此,分析目前我国中小企业融资中存在的问题及成因,积极研究解决的对策,对中小企业的可持续发展非常重要。,并提出了相应的解决对策。
关键词：中小企业; 融资; 问题; 对策
Abstract
As China's socialist market economy, small and medium enterprises to ensure the sustained, healthy and stable development of the increasingly important role. SMEs in promoting China's economic and social development, increasing revenue, increasing employment opportunities and the promotion of scientific and technological progress plays an important role in promoting. According to statistics, the contribution of SMEs to solve our employment problem Township is 75%, the contribution to the national GDP and taxes were more than 60% and 50%. With the development of market economy, the contribution of SMEs in the economic life and social progress will become more prominent. However, due to its weak anti-risk capability, SMEs are facing many difficulties in development, the most important is the financing.
In this paper, the current research situation on SMEs outlined. SME financing is not unique to China, countries are faced with this problem, although the community in efforts to propose solutions from different angles of the problem, but to solve this problem, you need to make social and economic development will continue with the new situation response policy. However, financing difficulties of SMEs has become a bottleneck, rapid and healthy development, a serious impediment to the development of SMEs. Therefore, the analysis of SME financing problems and causes that exist now actively studying countermeasures for sustainable development of SMEs is very important. , And the corresponding countermeasures.
Key words ：SMEs; financing; problems; countermeasure
目 录
1.前言 1
2.中小企业的融资问题研究的背景、目的及其重要意义 2
2.1 研究背景与目的 2
2.2 研究意义 3
3.中小企业融资问题 5
3.1直接融资渠道狭窄 5
3.2从银行贷款难度较大，信贷上的歧视 5
3.3非正规金融渠道占主要资金来源 6
3.4担保体系存在缺陷 6
3.5融资需求远远大于银行信贷服务 7
4 中小企业融资问题存在的原因及其分析 8
4.1政策原因 8
4.1.1政府对中小企业的重要性认识不足 8
4.1.2 政府对中小企业存在政策歧视 8
4.1.3 缺少统一的机构来支持中小企业的发展 8
4.2 外在原因 9
4.2.1信息不对称 9
4.2.2 抵押贷款难 10
4.3 内在原因 10
4.3.1 中小企业机制不健全，信息不够透明 10
4.3.2 中小企业缺乏担保条件 11
5.中小企业融资问题的解决对策 12
5.1政府的政策扶持 12
5.2金融机构的支持 13
5.2.1 案例分析-兴业银行特色方案助进出口企业融资/中信银行：未来货权质押为企业融资 14
5.3 中小企业自身体制的完善 15
5.4 完善中小企业信用担保体系 16
6结论 17
参考文献 18
致 谢 19 |
