文档介绍：东北农业大学学士学位论文学号:10308248
我国中小企业信贷难问题研究
Study in China is difficult for SMEs
摘要
目前,我国中小企业发展迅速,对国民经济的贡献度越来越大,己经成为区域经济发展的强力助推。但是,中小企业贷款难问题已成为困扰其发展的瓶颈。因此,正确认识和有效解决中小企业贷款难问题具有重要的现实意义。本文就中小企业信贷贷款难的现状和原因进行分析并提出针对性的对策建议,提出中小企业贷款困难,既有政府方面的原因、银行方面的原因、也有企业自身方面的原因, 三方面是同等重要的。因此,要从根本上改变中小企业贷款难的困境,必须从加大政府支持力度、提升中小企业信用环境和推进银行制度改革三方面下大力气,构建有效的中小企业信贷服务及其支持体系。
关键词:中小企业  信贷难  研究
Study in China is difficult for SMEs
Abstract
At present, the rapid development of China's small and medium enterprises, the contribution to the national economy growing, has e a powerful boost regional economic development. However, the problem of financing for SMEs has e plagued its development bottleneck. Therefore, the correct understanding and effective solution to the problem of financing small and medium enterprises has important practical significance. In this paper, credit facilities for SMEs difficult situation and analysis of the causes and put forward specific policy proposals put forward small business loan difficulties, both the government reasons, the reasons for banks, but also on their own reasons, the three are equal important. Therefore,To fundamentally change the plight of small and medium enterprises in getting loans, we must increase the Government's support for efforts to enhance the credit environment for SMEs and promote the reform of banking system, great efforts in three areas, building an effective credit services to small and medium enterprises and their support system.
Key words: Small and medium-sized enterprises, financing problem, Countermeasures.
目录
摘要 I
Abstract II
1 序论 1
研究的原因、目的与意义 1
国内外研究文献综述 2
研究的主要内容 2
2 本论 2
国内外中小企业信贷难问题现状 2
中小企业信贷难问题原因分析 4
解决中小企业信贷难问题的对策建议 5
3 结论 7
参考文献 12
致谢 13
1 序论
研究的目的与意义
中小企业在我国国民经济中的地位是非常重要的,其数量达2930万户,占我国企业总数的95%以上,在GDP当中,有51%是中小企业所创造的,出口中占到60%以上,%。众所周知,一个地区经济收入增长的重要源泉就是来自工业化,而工业化要持久就必须发展中小企业,同时中小企业还具有重要的产业配套功能。可是长期以来,中小企业信贷难成为困扰中小企业发展的重要制约因素。在我国,按现有的有关贷款通则和有关规定,限制得比较严,对于中