中小企业融资难题形成的原因及解决措施.docVIP

内 容 摘 要 改革开放以来，我国的中小企业得到迅猛发展，成为国民经济的重要支撑点，为我国国民经济的健康发展作出了重要的贡献。中小企业的快速、健康、稳定的发展是国民经济和社会和谐健康发展的必要前提，但是近些年来，中小企业的生存和发展面临着许多问题，其中融资难问题更是日益突出，严重阻碍了中小企业的健康发展。本文将对中小企业的概念，发展现状及贡献作出阐述，通过对两个案例着重对融资难问题形成的原因从企业、银行、政府和社会四个层面进行分析，寻求解决融资难问题的措施，妥善解决中小企业融资难这一问题，提出中小企业发展新途径，确保中小企业健康快速发展，从而推动国民经济又好又快发展。 关键词：中小企业、融资、现代企业制度 ABSTRACT Since the reform and open policy, our countrys small and medium-sized enterprise has developed rapidly, and become the important center of national economy, has made the important contribution for our country healthy development. The small and medium-sized enterprise fast, healthy, the stable development is the prerequisite of national economy and the social harmonious healthy development, but recent year, the small and medium-sized enterprise survival and the development are facing many questions, and difficult in finances is day by day prominent, has hindered the small and medium-sized enterprise healthy development seriously. This article will analysis the concept of the small and medium-sized enterprise, the development present situation and the contribution, and will analysis the difficult problem formulation reason of finance emphatically by the enterprise, the bank, the government and the social four stratification planes, will seek the measure to solution the difficult on finance problem, will solve the small and medium-sized enterprise to finance properly the difficult on this problem, proposed the new way of the small and medium-sized enterprise will develop , guaranteed that the small and medium-sized enterprise will develop fast and health, will thus promote the national economy to be also develops well and quickly. KEYWORDS：Small and medium-sized enterprise第一章 引言 1 第一节 概述 1 第二节 研究概况 1 第二章 中小企业的发展现状 3 第一节 中小企业的概念 3 第二节 中小企业的发展现状及贡献 4 第三节 中小企业发展面临的问题 6 一、生产技术水平较低，产品同质性较严重，市场竞争日趋激烈 6 二、缺少规范化管理和完善的制度保障 6 第三章 从企业层面分析中小企业融资难问题 7 第一节 经营管理水平不高，制度不完善 7 第二节 中小企业信息不透明 8 第三节 企业自身竞争力不强 9 第四章 从银行层面分析中小企业融资难问题 10 第一节 国有商业银行对中小企业贷款的政策失衡 10 第二节 缺乏专门为中小企业