非正规金融在中小企业融资中存在的问题及对策研究.docVIP

东北农业大学 毕 业 论 文非正规金融在中小企业融资中存在的问题及 对策研究Informal Finance in SME Financing Problems and Counter Measures 学生姓名： 指导教师： 所在院系：经济管理学院 所学专业：会计学 研究方向：会计学非正规金融在中小企业融资中存在的问题及对策研究 东 北 农 业 大 学 中国哈尔滨 2011 年 5 月 非正规金融在中小企业融资中存在的问题及对策研究 摘要 中小企业在我国经济建设和社会发展中起到了越来越重要的作用，他们在确保国民经济稳定增长、缓解就业压力、拉动民间投资、优化经济结构、促进市场竞争方面都做出了重大贡献。中小企业发展的最大瓶颈就是资金问题，如何快速、低成本的筹措企业发展所需的资金，成为中小企业面临的主要问题。近年来，非正规金融在我国取得了很大的发展。作为对正规金融的补充，非正规金融弥补了正规金融机构对非国有经济部门的资金供给不足，在解决中小企业融资问题、推动民营经济发展方面发挥了积极作用，对我国的经济增长做出了一定的贡献。关键词： 非正规金融 中小企业 融资 - I - 非正规金融在中小企业融资中存在的问题及对策研究 Informal Finance in SME Financing Problems and Counter Measures Abstract Small and medium-sized enterprises in Chinas economic construction and socialdevelopment plays a more and more important role in the national economy to ensure stablegrowth alleviate employment pressure private investment optimize economic structurepromote the market competition aspects are made significant contributions. Small andmedium enterprise development fund is the biggest bottleneck problems how fast low cost ofraising funds for enterprise development of small and medium-sized enterprises and becomethe main problem. In recent years non-formal finance in China has achieved greatdevelopment. As for the formal financial complement non-formal finance for the formalfinancial institutions to non-state-owned economy department in the money supply shortagesolve problems promoting SME financing private economic development plays a positiverole in the economic growth of our country and made some contribution.Key words: Non-regular finance Small and medium-sized enterprises Financing - II - 非正规金融在中小企业融资中存在的问题及对策研究 目录摘要.......................................................................................................................................... IAbstract ...................................................................................................................................II1 前言 ..............................................................................................