中小企业融资难现状及对策研究 本科毕业论文(设计).docVIP

（中文）： 中小企业融资难现状及对策研究 （英文）：Study on the situation and strategy of small and medium-sized enterprises 目 录 中文摘要及关键词 …………………………………………………………………Ⅴ 英文摘要及关键词 …………………………………………………………………Ⅵ 正文 …………………………………………………………………………………1 一、我国中小企业发展及融资现状…………………………………………………1 （一）我国中小企业发展现状……………………………………………………… 1 （二）我国中小企业融资现状………………………………………………………2 二、国外中小企业融资经验…………………………………………………………3 （一）日本……………………………………………………………………………3 （二）新加坡…………………………………………………………………………4 （三）西方发达国家…………………………………………………………………4 三、我国中小企业融资难的原因……………………………………………………5 （一）企业融资利率高………………………………………………………………5 （二）政府扶持力度不够……………………………………………………………6 （三）银行信贷管理体制需要进一步完善…………………………………………6 四、解决我国中小企业融资难的对策和建议………………………………………7 （一）加强内部管理…………………………………………………………………7 （二）加强间接融资渠道……………………………………………………………7 （三） 建立完善的中小企业资信评价体系和信用担保机制………………………8 （四）净化执法环境和完善有关金融法规…………………………………………9 五、结论………………………………………………………………………………9 参考文献…………………………………………………………………………… 10 摘 要 改革开放以来，中小企业在促进国民经济发展的过程中起着重要作用然而由于信息不对称、高风险、缺少抵押品及管理体制落后等原因，中小企业融资难成为了一个全球性的问题。我国的中小企业融资难的问题可以归结到企业自身和金融机构运营成本上。因此，如何降低中小企业自身的经营风险，引导银行资金进入中小企业，改革现有的金融体制成为解决中小企业融资难的关键。Abstract Since reforming and opening, small and medium enterprises in Chinas national economic development plays an important role in the process. However, because of the information asymmetry, high risks, lack of collateral and the backward management system and other reasons, small and medium-sized enterprise financing difficulty has become a global issue. Chinas small and medium enterprises financing problems can be attributed to the enterprise and financial institutions operating cost. Therefore, how to reduce the operation risk of small and medium-sized enterprises, guide the bank funds into the small and medium-sized enterprises, reform the existing financial system has become the key to solve the financing difficulties of small and medium-sized enterprises. The article analyzes the characteristics of small and medium enterprises, introduces the development of small and medium enterprises, financing, and then on the financin