文档介绍：摘要
中小企业,不像大企业资金技术密集,用人相对较少,而中小企业面宽量大,又多为劳动密集型,是扩大就业的主要方面。因此中小企业融资问题,长期以来,都受到经济界的高度重视,许多专家和学者作了相当多的探索和努力,取得了丰硕的成果。但是近段时间中小企业融资出现了严重困境,大量企业生产经营难以持续。那么我认为我们完全有必要研究中小企业的融资模式,以解决中小企业目前的困境。
本文在引述一系列重大融资概念的基础上,通过选取不同地区的几组融资数据,详细分析了造成目前中小企业融资困境的成因。同时本文引用了国内外的一系列先进的融资模式。然后通过比较分析,总结出我国大部分地区劳动密集型中小企业的融资模式。它应该是以企业联保为基础,以信用保证协会制度和融资辅导中心为补充。这样既可以解决中小企业担保难的问题,还可以解决企业信用保证的问题以及中小企业盲目贷款的问题。接着本文就该种融资模式的实施提供了一些可供参考的策略。最后说明了该种模式的成功实施离不开当地政府的积极支持和政策优惠。
在内容安排上本文分为六章。第一章,绪论,主要论述本文选题背景及研究的意义,简单介绍了国内外研究现状以及研究的方法和内容;第二章,中小企业融资概念综述,主要论述了中小企业融资的几个基本概念,包括交易费用、代理人与委托人、不对称信息、道德风险、逆向选择,并简要介绍了企业融资的本质及概念;第三章重点阐述了中小企业融资困境及成因;第四章抽取了国内外中小企业的融资模式作比较,然后归纳出劳动密集型中小企业融资模式理论,;第五章是实施策略研究,第四章与第五章为全文的重点;第六章为结论及需要进一步解决的问题。
关键词: 劳动密集型中小企业融资模式
ABSTRACT
The Small and Medium-sized Enterprises (SMEs) are different from the big businesses. The big businesses are capital-and-technology-intensive and the employment is relatively small. But there is a large quantity of the small and medium-sized enterprises, most of which are labor-intensive and involve the breadth and quantity; they are major aspects that expand employment. So ,the small and medium-sized enterprises financing issue, long time until now, has been paid more attention seriously in economic circles .Many experts and the scholars have made quite many explorations and effort, and they have made the substantial progress. But recently, the SMEs are facing serious difficulties of financing, and many are difficult to sustain their production and management. I think that it is absolutely necessary to study the financing models for SMEs so that the financing difficulties could be solved.
Through quoting series of significant financing theory and selecting several groups of financial data of different regions, in this article the reason will be analyzed in details that small and medium-sized enterprises are facing financing issues. Meantime, this paper refers to a series of advanced financing models from domestic and oversea. And parison and analysis, it summa