发布时间 : 星期日 文章我国中小企业融资中存在的问题及原因探析更新完毕开始阅读027fa02bed630b1c59eeb59e
- 1 -大学毕业论文（设计） 我国中小企业融资中存在的问题及原因探析
摘 要
我国是一个发展中的大国，经济转轨和社会转型正处在关键时期，中小企业的发展不仅对经济稳定增长具有重大作用，而且对缓解日益增长的就业问题，保持社会稳定更具有重要的战略意义。我国中小企业量大面广，覆盖国民经济各个领域，是最富活力的经济群体。德国、美国、日本等国家都把中小企业视为其社会进步的稳定器和经济发动机。改革开放30多年来，我国中小企业从小到大、数量增多、迅速成长、素质提高，已成为推动国民经济和社会发展的重要力量。企业的延续和发展，除了要拥有维持简单再生产的资金外，还需要一定的资金在设备、技术和好的项目上进行投资以扩大再生产能力，而这些资金光靠企业自身的积累，是远远不够的，企业需要从企业外部融资。因而几乎每个企业都要做出融资决策，以尽可能低的融资成本融通资金。由美国次贷危机而引发的金融危机，对中小企业来说是把双刃剑。在给中小企业造成严重打击的同时，也给其带来了发展的曙光。它使我们重新审视中小企业对国民经济发展的贡献及与其贡献不像匹配的政策支持；它使我们更清楚的看到金融中介机构对中小企业的不对称服务及其自身框架的缺陷。中小企业在我国国民经济中占有重要的地位，在促进经济增长和扩大就业等方面发挥了极为重要的作用。由于各种因素的影响，其主要采用债务融资筹集资金，进行负债经营，易面临较大经营风险。鉴于此种风险危害较大，本文在对我国中小企业融资风险的来源和衡量方法分析基础上，提出防范风险的措施，提醒中小企业更加注重债务融资风险的防范和控制，充分发挥中小企业在国民经济中的积极作用。
【关键词】中小企业；债务融资；风险；防范
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- 2 -大学毕业论文（设计） 我国中小企业融资中存在的问题及原因探析
ABSTRACT
Our country is a developing country, economic transition and social transformation is in the key period, the development of small and medium-sized enterprises not only to steady economic growth has an important effect, but also to ease the growing problem of employment, maintain social stability is more important strategic significance. Small and medium-sized enterprise enormous quantity wide, cover all areas of national economy, is the most rich robust economic groups. Germany, the United States, Japan and other countries, small and medium-sized enterprises as the social progress and economic engines stabilizer. Reform and opening up to 30 DuoNian, the medium and small enterprises in China has grown from a small and increasing number, rapid growth, to improve the quality, has become a promote national economic and social development important strength. The extension and development of the enterprise, besides should have simple reproduction of the funds to maintain, also need a certain amount of money in the equipment, technology and good projects for investment to expand production ability, and these funds by the accumulation of enterprise's light, is far from enough, the enterprise needs to from enterprise external financing. So almost every enterprise make financing decision, as low as possible to financing cost of financing. The us subprime mortgage crisis caused by the financial crisis to small and medium-sized enterprises, is a double-edged sword. In the small and medium-sized enterprises to cause serious blow, but also give its brought the dawn of the development. It enables us to re-examine the small and medium-sized enterprise development of national economy and its contribution to the contribution of the policy support is not like matching; It makes us more clearly see the financial intermediary agencies for small and medium-sized enterprise asymmetric services and its own frame defects. Small and medium-sized enterprises in China's national economy, occupies an important position in promoting economic growth and expand employment has played an extremely
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- 3 -大学毕业论文（设计） 我国中小企业融资中存在的问题及原因探析
important role. By various factors, the main using debt financing to raise money for debt management, easy, with the great business risk. In view of the risk of harm is greater, in this paper, our country small and medium-sized enterprise financing risk sources and measuring method based on the analysis, proposed measures to prevent risks, to remind the small and medium-sized enterprises pay more attention to the debt financing risk prevention and control, give full play to the role of SMEs in the national economy plays an active role in.
[ Key words ] small and medium-sized enterprises; debt financing; risk; guard against.
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- 4 -大学毕业论文（设计） 我国中小企业融资中存在的问题及原因探析
目 录
摘 要...........................................................................................................................................................................1 第一章 导 论.........................................................................................................................................................5 第一节 中小企业对我国经济的重要性 ........................................................................................................5 第二章 中小企业的融资理论及其基础 ............................................................................................................6 第一节 在中国中小企业的含义 .....................................................................................................................6 第二节 企业融资的含义...................................................................................................................................8 第三节 中小企业融资 .......................................................................................................................................9 第四节 企业融资模式 .......................................................................................................................................9 第三章 中小企业融资难问题解析 ...................................................................................................................11 第一节 我国中小企业融资的现状 ...............................................................................................................11 第二节 中小企业融资难的内部成因分析..................................................................................................11 第三节 中小企业融资难的外部成因分析..................................................................................................13 第四章 我国中小企业融资存在的问题及原因分析....................................................................................15 第一节 我国中小企业在国内融资存在的问题.........................................................................................15 第二节 我国中小企业在国际贸易融资中存在的问题 ...........................................................................17 第三节 我国中小企业融资存在问题的原因分析 ....................................................................................18 第一节 完善我国中小企业在国内融资存在问题的对策 .......................................................................21 第二节 完善我国中小企业在国际融资存在问题的对策 .......................................................................23 结束语 ......................................................................................................................................................................25 致 谢 ......................................................................................................................................................................26 参考文献..................................................................................................................................................................27
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