我国中小企业融资问题

XXXXXX大学毕业论文我国中小企业融资问题研究FinancingproblemofSMEsinChina20XX届XXXXXXX分院专业XXXXXX学号XXXXXXXX学生姓名XXXX指导教师XXXXXX完成日期20XX年X月XX日毕业论文任务书毕业论文开题报告摘要国内外的研究成果表明，中小企业的资金增长，是支撑中小企业发展的重要解释变量，中小企业在扩大就业、启动民间投资、优化经济结构、推动技术创新和企业制度创新等方面发挥着日益重要的作用，已经成为拉动GDP增长的主要动力。但是，由于中国经济体制正处于转轨过程中，金融体制的改革相对比较滞后，融资问题是制约中小企业发展的重要问题。在全球金融制度安排的环境下，如何及时制定和调整我国的金融战略和政策，建设国际金融制度安排环境下的中小企业金融政策融资体系，是本文直接服务的实践性目标。本文对中小企业融资问题的研究成果进行了系统综述，在对中小企业融资现状分析的基础上，提出了构建和完善中小企业金融支持体系的可操作性措施。解决中小企业的融资难问题，单靠一种途径、一种方式收效甚微，必需通过多种渠道，采取多种方式加以解决，应分别从中小企业自身、金融支持中介、政府支持和信用担保体系四个方面建立和完善扶持我国中小企业的融资体系。总之，我国中小企业必须充分认识所处的融资环境，不断提高企业的资信水平和管理质量，才能制定出利于企业长远发展的融资决策。关键词：中小企业；融资渠道；融资方式；直接融资；间接融资；AbstractSmallandmedium-sizedenterpriseismostadvancedproductivityandorganicintegrationofmostvigorousoperatingmechanism.Smallandmedium-sizedenterpriseageplayinganimportantroleintheemploymentofexpanding,startinvesting,optimizetheeconomicstructurenon-govemmentally,promotetechnologicalinnovation,itbecomesthemainpowerwhichdrawstheGDPgrows.Though,astheChineseeconomicsystemisbeingintheswitcherprocess,monetarysystemreformlagincomparison,smallandmedium-sizedenterprise’shasagreatdifficultyinfinancing．Underthewholeworldfinancialsystemarrangementenvironment,howtoformulatesandadjustsourcountry’sfinancialstrategyandthepolicypromptlyandconstructingthesmallandmedium-sizedenterprisefinancepolicysupportsystemundertheinternationalfinancesystemarrangementenvironmentisthetopicdirectservicepracticalgoal.Thisarticlehascarriedonthesystemsummarytothesmallandmedium-sizedenterprisefinancialbackingquestionresearchresults,Onthefoundationofanglicizinginsmallandmedium-sizedenterprisefinancingpresentsituation,proposedtheconstructionandtheconsummationsmallandmedium-sizedenterprisefinancialbackingsystemfeasibilitymeasure.Solvefinancingdifficultproblem,asonewaytohavelittleeffect,wemustthroughmanykindsofchannels,adoptsmanykindsofwaystosolve.Separatelyfromthesmallandmedium-sizedenterpriseitsown,thefinancialbackingintermediary,thegovernmentsupportandthecreditguaranteesystemfromthefouraspectsestablishesandconsummatestosupportourcountrysmallandmedium-sizedenterprisesystemthefinancingsystem．Inbrief,smallandmedium-sizedenterprisemustknowfullylocatesfinancingenvironmentinourcountry.Enhancingtheenterprisethecreditlevelandthemanagementqualityunceasingly,whichcanformulatefavorstheenterpriselong-termdevelopmentforfinancingdecision-making.Keywords:smallandmedium-sizedenterprise,financialsupport,financingchannel目录第一章绪论................................................................................................................1一、研究背景、目的及意义...............................................................................1二、国内外研究现状...........................................................................................2（一）国外研究现状...................................................................................2（二）国内研究现状...................................................................................2（三）研究现状评价...................................................................................3三、研究内容及研究方法...................................................................................3（一）研究内容...........................................................................................3（二）研究方法...........................................................................................4第二章我国中小企业融资问题.........................................................................4一、内源融资不足...............................................................................................5二、外源融资困难...............................................................................................6（一）间接融资渠道不畅通.......................................................................6（二）直接融资渠道狭窄...........................................................................6第三章我国中小企业融资难成因分析.....................................................................7一、企业自身素质有待提高...............................................................................7（一）中小企业规模小，抗风险能力弱，经营风险较高.......................7（二）中小企业财务管理不规范，不利于银行对企业资金的监管。...7（三）中小企业缺乏可用于抵押担保的优质资产...................................8（四）部分中小企业的信用观念淡薄，逃废银行债务的现象屡禁不止8二、政府支持力度不足.......................................................................................8（一）政府对中小企业的重要性认识不足...............................................9（二）政府对中小企业存在政策歧视.......................................................9（三）缺少统一的政府机构来支持中小企业的发展...............................9三、金融中介体系发展滞后...............................................................................9（一）间接融资渠道不畅主要原因.........................................................10（二）直接融资渠道狭窄主要原因.........................................................11四、信用担保体系不完善.................................................................................12第四章完善我国中小企业金融体系的对策建议...................................................12一、加大中小企业自身建设.............................................................................12（一）提高经营管理水平，规范企业公司治理结构.............................13（二）健全企业财务管理制度...............................