企业融资如何突破民间借贷风险探讨.docVIP

本科生毕业论文（设计） 题目：中小企业融资如何突破民间借贷风险的探讨 学 部 管理学部 学科门类 管理学 专 业 财务管理 学 号 2008485230 姓 名 孙淑东 指导教师 张双才 2012年5月30日 中小企业融资如何突破民间借贷风险的探讨 摘 要 随着改革开放步伐的稳步推进和市场经济的快速发展，中小企业己成为推动我国经济发展的重要力量。中小企业在促进经济增长与增加就业等方面越来越凸显其重要性,人们对中小企业发展问题也日益关注。然而资金供给上的缺乏, 已经成为制约我国中小企业发展的重要因素。而在正规金融支持力度有限的情况下，中小企业的发展主要依靠民间借贷解决的融资难问题。特别是既2008年美国次贷危机爆发之后我国中小企业的发展更是引起世人的关注，民间借贷一直是金融界和企业界的一个热门的话题。从温州民间借贷危机大批企业主跑路到震惊全国的吴英案，这一系列热门事件所折射出的是企业对于民间借贷的过度依赖，也由此引发了大量学者对于民间借贷的合理性和合法性的讨论以及企业主对于民间借贷的担忧，在后危机时代探讨中小企业融资难问题的背景下，研究中小如何突破民间借贷风险问题便具有重要的现实意义。 关键词： 中小企业； 融资方式； 民间借贷； 金融改革 Discussion on SME financing how to break the private lending risk Abstract 窗体底端 With the steady progress of the reform and opening up and the markets rapid economic development, SMEs have become an important force in promoting Chinas economic development. Increasingly highlighted the importance of SMEs in promoting economic growth and increase employment, people are increasingly concerned about the issue of SME development. However, the lack of money supply, has become an important factor restricting the development of SMEs in China. Regular financial support is limited, the development of SMEs rely mainly on private lending to solve the problem of financing. In particular, the development of SMEs in China after 2008, for both, the U.S. subprime mortgage crisis is attracting the worlds attention, private lending has been a hot topic in the financial sector and the business community. From Wenzhou private lending crisis, a large number of business owners on foot to Wu Ying case that shocked the nation, this series of popular events reflected by the over-reliance on private lending, also triggered a large number of scholars for the rationality of the private lending and discussion of the legitimacy and enterprise main for private lending concerns, explore the background of the financin