浅谈中小企业融资现状及应对措施

本科毕业论文（设计、创作）题目：浅谈中小企业融资现状及应对措施——以加工制造业为例学生姓名：王桂芳学号：1006088所在系院：工商管理系专业：财务管理入学时间：2010年9月导师姓名：职称/学位：教授导师所在单位：安徽三联学院工商管理系完成时间：2014年5月安徽三联学院教务处制浅谈中小企业融资现状及应对措施——以加工制造业为例摘要：中小企型业是我国经济发展的重要推动力量，国家2010年“民营经济发展报告”统计，目前我国已登记在册的中小型企业数量已经超过了5000万家，约占全国工商注册企业总数的99.8%；中小型企业提供的产品、服务的总值大约占全国企业出口总值的60%左右；中小型企业所上缴的税收总额占我国全部财政收入的50%以上，并由逐年上升的趋势，在中小企业就业的人数占全部总就业人口的80%左右。近年来我国中小企业融资难、融资成本高等融资性问题成为我们最关心的问题之一,但一直以来却没有得到有效的解决。在加工制造业中这一现象不可忽视！中小企业融资面临的问题及其相应解决对策依旧是我们应该正视和思考的对象！因此该问题成为国家、地方政府和企业几个人高度关注问题之一。本文介绍了中小企业的划型、中小企业的特点及融资现状，并通过对中小企业中的加工制造业的融资现状、融资渠道和融资规模的变化的了解与分析，来阐述中小企业的融资活动，并对中小企业的融资管理提出相应的建议和应对措施，以期能尽量缓解并逐步解决中小企与融资难、融资成本高等融资性问题。关键词：中小企业；加工制造业；融资ThepresentsituationofSMEfinancingandmeasure-ForexampleinprocessingandmanufacturingAbstract:SMEsareanimportantdrivingforceforChina'seconomicdevelopment,thestatein2010,privateeconomicdevelopmentreportStatistics:Atpresent,Chinahasmorethan50millionSMEs,accountingfor99.8%ofthetotalnationalindustrialandcommercialregistrationcompanies;SMEproducts,thetotalvalueofthecountry'stotalexportvalueservicescompaniesabout60%;SMEspaidtaxesaccountedforover50%ofourtotalrevenue,andshowedanincreasingtrendinthenumberofpractitionersSMEsaccountforabout80%ofallthetotalemployedpopulation.Inrecentyears,ourSMEfinancing,thefinancingproblemsofhigherfinancingcostsbecomeoneoftheissueswecareaboutmost,buthasnotbeeneffectivelyresolved.Inthemanufacturingprocessofthisphenomenoncannotbeignored!SMEfinancingproblemsfacedbytheircorrespondingcountermeasuresstillthinkweshouldfaceandobject!Sothequestionbecomesnational,localgovernmentandbusinessattentionofseveralpeopleproblems.Thisarticledescribestheplanningtype,characteristicsandcurrentsituationofSMEsfinancingofSMEsandthestatusoffinancingforSMEsthroughtheprocessingandmanufacturing,understandingandanalysisoffinancingchannelsandscaleofchange,toelaborateSMEfinancingactivities,andtheproposedmanagementofSMEfinancingproposalsandappropriateresponsemeasurestoalleviateasmuchaspossibleandgraduallysolvethefinancingdifficultiesofSMEsandfinancingcostshigherfinancingissues.Keywords:SMEs;processingandmanufacturing;financing目录1绪论.............................................................................................................................11.1研究背景.............................................................................................................11.2研究方法.............................................................................................................11.3研究思路.............................................................................................................12中小企业的相关问题概述.......................................................................................32.1中小企业的概念................................................................................................32.2中小企业发展现状.............................................................................................32.3我国中小企业在国民经济发展中的地位及作用............................................42.4中小企业在产生和发展过程中具有以下优缺点............................................43中小企业融资概述...................................................................................................53.1融资的定义........................................................................................................53.2融资的分类........................................................................................................53.3融资的来源.........................................................................................................53.3.1内源融资的概念.............................................53.3.2外源融资的概念..........................................................................................63.3.3民间借贷.........................................................................................................63.4中小企业融资难.................................................................................................73.4.1宏观原因.................................................................................................73.4.2企业自身原因.............................................................................................74中小加工制造业融资管理现状................................................................................84.1加工制造业最近几年发展现状.....................................84.2加工制造业融资现状.........................................................................................84.3加工制造业融资的比较优势.............................................................................84.3.1具有一定的设备和厂房..............................................................................84.3.2以大型企业为依托......................................................................................84．3.3其劣势的解决措施....................................................................................85政府策略..................................................................................................................105.12013年12月部分地区中小企业扶持政策...................................................105.2关于政府政策小结...........................................................................................116.1政府优化我国中小