企业融资难成因对策分析.docVIP

网 络 教 育 本 科 毕 业 论 文 题目：中小企业融资难成因及对策分析 作 者: 学 号: 专 业: 金融学 学习中心: 指导教师:  摘 要 中小企业是我国国民经济的重要组成部分,在经济社会发展中具有大企业无法替代的特殊的战略地位。作为活跃市场的基本力量,容纳了社会上大多数的就业人员,在促进经济增长及解决就业和再就业过程中,发挥着重要作用。SMEs are an important part of our national economy, in economic and social development can not be replaced with big business special strategic position. As an active market, the basic forces, to accommodate the majority of employed persons in society, in promoting economic growth and solve the employment and re-employment process, play an important role. However, due to their own and Chinas economic system and many other reasons, resulting in widespread of SME financing problem, has seriously hampered the pace of development of SMEs in China. This paper analyzes the current status of financing of SMEs, and on this basis, the suggestions put forward some solutions. First, the economic environment combined with the reality described the current status of SME financing; followed by analysis of SME financing difficulties caused by internal and external factors, mainly in the enterprises themselves, financial institutions, legal system is not perfect and so on. Finally, to solve the financing problems of SMEs suggestions, including: strengthening self-financing capacity building for SMEs, the establishment of multi-level financing system, and improve policies and regulations. 朗读 显示对应的拉丁字符的拼音 字典 朗读 显示对应的拉丁字符的拼音 字典 Key words: Small and medium-sized enterprise, financing, Status 目 录 摘 要 I 目 录 II 一、我国中小企业概念及现状分析 1 （一）中小企业的概念及其作用 1 （二）我国中小企业融资渠道及现状 2 二、我国中小企业融资难的成因 3 （一）内部原因 3 （二）外部原因 4 三、我国中小企业走出信贷融资困境的相关对策建议 6 （一）加强中小企业自身融资能力建设 6 （二）建立多层次的融资体系 7 （三）完善政策及法规体系 10 结 论 12 参考文献  企业融资是指以企业为主体融通资金，使企业及其内部各环节之间资金供求由不平衡到平衡的运动过程。当资金短缺时，以最小的代价筹措到适当期限，适当额度的资金；当资金盈余时，以最低的风险、适当的期限投放出去，以取得最大的收益，从而实现资金供求的平衡。 一、我国中小型企业概念及现状分析 中小企业在解决社会就业、发展地方经济和聚拢一些特色优势产业等方面发挥着重要的作用，但融资问题却成为了制约这些中小企业发展的“瓶颈”。 （一）中小企