从温州民间借贷看中小企业融资问题本科.docVIP

从温州民间借贷看中小企业融资问题 摘要 ：温州民间借贷历来是作为民间金融促进民营经济发展的成功案例被我们谈论。但是2011年受欧债危机、国家宏观调控、温州企业盲目扩张等多种因素的影响，温州出现了众多“跑路”现象。民间借贷的弊端，中小企业融资难的问题浮出水面。中小企业的重要经济角色和弱势融资地位形成了鲜明反差。如何改变中小企业的融资困境，使中小企业获得更大的发展，成为摆在我们面前的重要课题。本文将对中小企业融资现状、存在的问题、形成原因进行分析，并提出相应的对策，希望对解决中小企业融资问题有所帮助。 关键词:民间借贷，中小企业，融资 Abstract: Private lending of Wenzhou have usually been talked about by us as a successful case about how private finance promotes the development of private economic. But with the debt crisis in Europe, national macro-control and blind expansion of enterprises, many enterprises closed down in Wenzhou. The abuses of private lending and the difficulties in financing had came to us. Small and medium-sized enterprises’ important role in finance contrasts its vulnerable role in financing. How to change its vulnerable position and how to develop the small and medium-sized enterprises have been the important issue for us. This article talked about SMEs’ current situation, the problems, the reasons and the solutions. We hope it is helpful to solve the problems of SMEs’ in financing. Key words: Private lending, Small and medium-sized enterprises, Financing 目录 一、中小企业融资现状…………………………………………………….………3 (一)内部融资是资金主要来源…………………………………………………...3 (二)主要外部资金来源--间接融资……………………….…………..……………3 (三)其他外部资金来源--直接融资…………………………………….…….…..…3 (四)抵押担保和信用担保情况…………………………………………………….4 (五)非正式借贷即民间借贷异常活跃，以温州为例………………………………4 二、中小企业融资过程中存在的问题…………………………………………..……4 (一)直接融资通道过窄，增长的不可持续性……………..……………………….4 (二)间接融资信贷支持少…………………………………………………..…..…5 (三)融资成本高………………………………………………………………..……..5 (四)资金需求波动大………………………………………………………...5 三、中小企业融资难的原因分析……………………………………….…………5 (一)中小企业自身方面……………………………………………………..………5 (二)银行方面………………………………………………………………….…….6 (三)政府方面………………………………………………………………….……6 (四)担保机构……………………………………………………………….…………7 (五)中小金融机构………………………………………………………….………7 (六)法律体系…………………………………………………………….………….7 (七)融资渠道……………………………………………………………………7 四、解决中小企业融资问题的对策建议…………………..……………8 (一)中小企业方面……………………………………………………….……8 (二)银行方面…………………………………………………………….…………..8 (三)政府方面………………………………………………………….………..…8 (四