文档介绍：毕业论文
论我国小微企业融资存在问题及解决对策
学生姓名: 郭文杰
学号: 100603010211
学院名称: 会计学院
专业名称: 会计电算化
指导教师: 潘培培
山东女子学院教务处制
2013年3月5日
论我国小微企业融资存在问题及解决对策
摘要
无论是发达国家,还是发展中国家,小微企业对技术创新、扩大就业、增进社会和谐稳定、促进地区经济的平均衡发展等方面都起到重要作用。在市场机制尚需完善的中国,资金短缺、融资难成为制约我国小微企业发展的瓶颈,进而影响我国社会经济的发展。
文章通过分析小微企业数量多,分布广,财务状况差,竞争力弱,先天性缺乏信用、缺乏担保物的特点,导致其自身信用不佳、融资渠道单一。同时银行对小微企业贷款存在偏见,小微企业又难以通过资本市场直接融资。针对以上导致小微企业融资难的各种原因,我国小微企业应首先从自身出发,加强企业管理,提高自身融资能力,调整和优化企业的融资方式和结构。同时银行及社会各方应构建小微企业信用评估体系、信用担保体系及风险评估体系,健全各项法律法规,为中小企业融资提供优越的环境。
本文以国内小微企业融资为主要研究对象,借鉴发达国家相关经验,在协调好相关利益的前提下,最终在企业、银行及社会各方的共同努力下,寻求解决小微企业融资问题的有效途径。
关键词:小微企业;融资;现状;对策
ON OUR COUNTRY SMALL MICRO ENTERPRISE FINANCING EXISTING PROBLEM AND CORRESPONDING SOLUTION
ABSTRACT
Whether developed country, or developing country. The small micro enterprise, to promote the social harmony and stabilities and average of promotion regional economy to weigh development and other aspects to the technological innovation and expanding employment to take an important role. Still needed perfect China in the market mechanism, the fund shortage and financing are difficult e the bottleneck that restricts our country small micro enterprise development, and then affects the development of our country social economy.
The article through analyzing small micro enterprise quantity are many, distributes broadly, the financial situation is bad, petitive power is weak, the congenital deficient credit, lacks guarantee the characteristics, causing his credits to be unsatisfactory, the financing channel is unitary. Simultaneously the bank has the prejudice to small micro enterprise loan; the small micro enterprise is hard through the capital market direct finance. Causes various small micro enterprise financing difficult reasons in view of above, our country small micro enterprise should first from own, improve the business management, sharpens own financing ability, the financing method and structure of adjustment and optimized enterprise . Simultaneously the bank and all other social sectors