文档介绍：摘要
中小企业融资问题是一个全球普遍存在的难题,也是一个持久性课题。在西方经济发达国家,完善的金融支持体系、繁荣和发达的金融市场、健康和完整的法规政策卓有成效的减弱了这一课题。在改革开放的这些年来,我国中小企业作为经济发展的中坚力量在增进经济繁荣、稳定扩展就业、促进企业革新等方面的作用愈加重要,与之不协调的却是,为了改进融资环境,政府运用了一些金融措施,但是由于中小企业内外各种原因,融资难一直并未得到很好的解决。现有的融资环境与企业的希望仍有较大差距,中小企业信贷满足率仍待提高。因此,研究我国中小企业融资困境并给出对策研究具有重要的理论意义与现实意义。
本文结合我国目前的经济特点及现状,首先回顾了中小企业融资的相关理论,然后对我国中小企业的融资现状及融资存在的问题进行了分析,并对我国中小企业融资难的成因及对中小企业需求进行了深入的探讨。最后从政府方面、金融机构方面、及中小企业自身方面分别提出了解决我国中小企业融资难问题的对策和建议。
关键词:中小企业;现状;融资约束;对策
Abstract
Financing for medium-sized and small enterprises is a mon and continuous issue. In western countries, sophisticated financing system, prosperous and developed financing market and healthy policies have reduced it significantly. Since the reform and opening up , our medium-sized and small enterprises have contributed in fields of prosperous market , stable employment and reforming firms . However, to modify the financing environment by the government has not fully supported their financing needs. It is still with some distance from their hopes. Credit adequacy is still in a low rate. For these, researching their problems and giving solutions are theoretically and realistically important.
We tried to bring out some realistic solutions to fundamentally solve the difficulties with the understanding of our nation’s economic conditions and facts. This paper first reviews the related research status of SMEs financing, then analyzes its present problems and causes. This last paper puts forward suggestions to solve the problems from four aspects of government’s policy, financial institutions, guarantee methods, and SMEs themselves.
Key Words:SMEs Financing, Status, Experience, Countermeasures
目录
一、中小企业融资相关概念 1
(一)企业融资的概念 1
(二)我国中小企业界定标准 1
(三)融资及融资方式 2
二、我国中小企业融资现状分析 2
(一)我国中小企业融资现状 2
1. 融资方式呈现多元化趋势 2
2. 内源融资占据重要地位 3
3. 间接融资以银行贷款为主 3
4. 民间融资普遍存在 3
(二)我国中小企业融资中存在的问题 4
1. 内源融资能力不足 4
2. 股权融资和债券融资难以拓展 4
3. 银行信贷融资困难 4
4. 民间融资受限且融资成本高 5
三、制约我国中小企业融资的主要原因 5
(一)内部原因 5
(二)外部原因 6
1. 金融体系不健全增加了融资难度 6
2. 政府及政策方面原因 7