中小企业贷款难的原因及对策分析（设计）..docVIP

题目：我国中小企业贷款难的原因及对策分析 题目：我国中小企业贷款难的原因及对策分析 所属系 经济管理系 专 业 会计学 学 号 姓 名 邱亚男 指导教师 曹卉宇 起讫日期 2011.4——2011.5 设计地点 东南大学成贤学院 东南大学成贤学院毕业设计报告（论文） 诚信承诺 本人承诺所呈交的毕业设计报告（论文）及取得的成果是在导师指导下完 成，引用他人成果的部分均已列出 。如论文涉及任何知识产权纠纷， 本人将承担一切责任。 学生签名: 曰 期： 中小企业贷款难的原及对策分析 中小企业贷款难的原 及对策分析 摘 要 本文就屮小企业贷款问题进行剖析。随着经济的不断发展，经济结构的不断改变，屮小企业如雨后 春笋般发展起来。屮小企业因规模小、经营方式灵活，已然成为经济发展的重要支柱，成为GDP增长的主 要动力。然而屮小企业同样面临着很多的困扰，比如法律规章制度的限制，专业人才的缺乏等等，但是贷 款难或是融资难往往是阻碍中小企业发展的主要因素。本文从中小企业的发展及在经济发展中的作用，中 小企业面临的困境结合目前商业银行在中小企业贷款业务方面的开展进行分析，针对所得出的结论提出相 应解决办法。同时以我国银行独具特色的屮小企业贷款业务做为实例，展现屮小企业贷款业务的5火前景。 关键词：中小企业；贷款；融资 China small and medium enterprise loan difficult reason andcountermeasure analysis Abstract In serious analysis causes loans to various causes and contradiction on the basis，from our country small and medium-sized enterprise and bank loans two angle to undertake more comprehensive analysis, and proposed the corresponding countermeasure. This paper analyzes the problems of medium and small business loan. With the continuous development of the economy, the economic structure changing, such as bamboo shoots after a spring rain rises like the development of small and medium-sized enterprises. The small and medium-sized enterprise because of small size, flexible mode of operation， already became the important pillar of economic development, become the main driver of GDP growth. However，small and medium enterprises also face many problems, such as the legal rules and regulations of the constraints，the lack of professionals and so on, but the loans or financing is often hindered the development of small and medium-sized enterprises are the main factors. This article from the small and medium-sized enterprise development and the role in economic development， difficulties faced by small and medium enterprises in combination of the commercial bank in the small and medium-sized enterprise loan business has carried out analysis, according to the conclusions and puts forward the corresponding solution. At the same time, t