文档介绍：河北大学
硕士学位论文
国际金融危机下河北省中小企业融资问题研究
姓名:杜志敏
申请学位级别:硕士
专业:世界经济
指导教师:孙健夫
20100501
摘要
摘要
企业融资问题一直是困扰河北省中小企业发展的重大问题。由于国际金融危机的发
生,中小企业融资更是雪上加霜,并且由此带来了许多新问题。因此,研究金融危机背
景下河北省中小企业融资问题具有很强的现实意义。
本文分析了国际金融危机对中小企业融资的影响程度,进而分析了河北省中小企业
在金融风暴到来之后的融资现状及存在的问题。尽管河北省政府积极响应国家政策,大
力支持中小企业融资,但是支持力度和政策效果却未达到预期;银行对中小企业更加惜
贷,造成间接融资受阻;资本市场本来就不健全,在金融危机发生后更是受到严重影响;
由于出口受阻、消费市场萎靡等原因,中小企业资金周转十分困难,本来较低的信用评
级更是处在标准以下。所有这些都加重了中小企业融资难度。通过国际比较,论文进一
步分析了造成中小企业融资难的因素,总结了国际上促进中小企业融资的经验。最后,
论文提出了旨在解决河北省中小企业融资难题的对策建议,主要包括政府政策的大力支
持、加大信贷支持力度、完善信用担保体系以及完善资本市场体系等。

关键词国际金融危机;中小企业;融资
I
Abstract
Abstract
The financing issues of SMEs have been plaguing the major issues for SME
development in Hebei Province. The occurring of the international financial crisis has greatly
affected the development of SMEs. So studies on SMEs financing problems of Hebei
Province have strong practical significance.
At first, the issue analyzes the efforts that the international financial crisis makes to
SMEs financing. Next, it generalizes the current situations of SMEs financing in Hebei
Province after the financial crisis. Due to the financial crises, it makes the SME financing
condition worse, and brought many new problems. The government of Hebei Province
responds to the country policy actively, and support the SMEs financing strongly, but the
supporting strength and the policy efforts cannot reach the target anticipate; the banks don’t
want to support credit to SMEs, that makes the indirect financing being obstructed; as the
capital market really does not sound, and the es worse; due to exports, sluggish
difficulties of SMEs, the capital turnover of SMEs is very difficult, and the low level of the
credit rate is under the standard. All of the above reasons aggravate the difficulty of the SMEs
financing. Then, through parison, it analyzes the factors which cause the
difficulties of SMEs financing, and references the international experiences to help SMEs
fin