我国中小企业融资困境分析

XXXXXXXX我国中小企业融资困境分析编号题目我国中小企业融资困境分析XXXXXXXX我国中小企业融资困境分析目录摘要..............................................................IAbstract...........................................................II1绪论............................................................11.1选题背景及意义................................................................................................................11.2研究的内容和方法............................................................................................................21.3本论文的主要工作............................................................................................................32国内外研究状况...................................................42.1国内中小企业融资研究状况............................................................................................42.2国外中小企业融资研究状况............................................................................................52.3小结...................................................................................................................................73我国中小企业的融资状况...........................................83.1中小企业的内涵................................................................................................................83.2我国中小企业融资的特点................................................................................................93.3我国中小企业融资状况..................................................................................................103.3.1总体融资结构状况................................................................................................102.3.2内源融资状况........................................................................................................112.3.3间接融资状况........................................................................................................112.3.4直接融资状况........................................................................................................124我国中小企业融资难的成因分析....................................134.1融资难的内因..................................................................................................................134.1.1中小企业治理结构不规范....................................................................................134.1.2中小企业财务制度不健全，资信状况不佳........................................................134.1.3中小企业管理水平不先进，融资观念落后........................................................144.1.4中小企业产业结构不合理，组织水平较低........................................................144.2融资难的外因..................................................................................................................144.2.1制度供给不足........................................................................................................144.2.2政府重视不够，融资体系不完整........................................................................154.2.3民间金融受到抑制................................................................................................155解决融资难的对策................................................165.1规范内部管理机制，提高自身实力...............................................................................165.2创新金融产品和完善金融体系.......................................................................................175.3放松对民间金融控制，引导非正规金融的发展...........................................................185.4合理配置金融管理权.......................................................................................................186结论...........................................................19致谢...........................................................20参考文献...........................................................21文献综述...........................................................23XXXXXXXX我国中小企业融资困境分析I摘要随着我国经济体制改革的不断深入，中小企业代表的非国有经济在整个国民经济中占据越来越重要的地位。与此同时，中小企业融资问题引起越来越多的关注，原因主要有两个：一方面，中小企业的发展已经成为支撑我国经济持续增长的强大动力和社会稳定的重要基础；另一方面，中小企业的进一步发展正陷入越来越严重的困境，特别是融资难的问题已经成为束缚中小企业发展的最大障碍。因此，分析中小企业面临的困境及其成因，探讨缓解融资困境的有效途径，是现时金融业迫切需要解决的问题，且具有十分重要的理论和现实意义。本文通过中小企业融资的现状分析中小企业融资难的原因，从提高中小企业自身融资能力和为中小企业营造良好的外部融资环境两方面入手，通过优化融资结构、拓展融资渠道、尤其是提高中小企业自身素质和完善金融体系，来缓解中小企业融资难的现状。关键词：中小企业；融资；措施；金融体系；困境XXXXXXXX我国中小企业融资困境分析IIAbstractAlongwithourcountryeconomicsystemreform,smallandmediumenterprisesonbehalfofthenonstateownedeconomyintheentirenationaleconomyoccupiesanincreasinglyimportantposition.Atthesametime,thefinancingofsmallandmedium-sizedenterprisesattractedmoreandmoreattention,therearetwomainreasons:ontheonehand,thedevelopmentofsmallandmediumenterpriseshasbecomeasustainedgrowthofoureconomypowerfulmotiveforceandsocialstabilityoftheimportantfoundation;ontheotherhand,thefurtherdevelopmentofsmallandmediumenterprisesisagrowingdilemma,especiallyfinancingtheissuehasbecomethebiggestobstacletothedevelopmentofsmallandmedium-sizedenterprisesbound.Therefore,analysisthedifficultiesfacedbysmallandmediumenterprisesanditscauseofformation,exploretheeffectivewaytoalleviatethefinancingdifficulties,financialindustryistheurgentneedtoaddresstheproblem,andithasveryimportanttheoreticalandpracticalsignificance.Inthispaper,throughtheanalysisofthecurrentsituationoffinancingofsmallandmediumenterprisesSMEfinancing,fromimprove