文档介绍：论文编码 RUC-BK-113-110204-11271337
中国人民大学本科学生毕业论文

中小企业融资问题研究

作者常丽
学院商学院
专业财务管理
年级 2001 级
学号 11271337
指导教师孙茂竹
论文成绩
日期
中文提要

长期以来,中小企业的发展在我国国民经济建设中发挥了重要的作用,但是
它的发展却受着资金的制约,解决中小企业融资难的问题已经迫在眉睫。因此要
对我国中小企业融资中存在的问题及其成因进行剖析并制定出相应的措施。本文
对中小企业融资现状和融资困难的原因,分别从国家宏观政策、金融体系、企业
自身素质三个方面进行分析,得出我国中小企业的社会金融体系不够完善、信用
担保不成熟、中小企业信息不对称、自身体制不健全、信用度低等都是造成中小
企业融资困难的主要因素。并在借鉴国外经验的基础上,结合我国国情,提出要
从中小企业自身抓起,切实提高企业总体素质,同时加速建立多层次、全方位、
完善的中小企业融资支持体系和健全的经营机制,改善中小企业融资的宏观政策
环境,才能保障中小企业健康快速的发展,促进我国国民经济的发展。

第 1 页
外文提要
For a long time, small-medium sized enterprises have played important roles in
development of national economy construction. However, there are many factors
restraining development of small-medium sized enterprises in China, specially
financing bottle-neck. It is necessary to settle to solve the financing problem. First,
we should analyze the financing problems of small-medium sized enterprises and
make corresponding steps. This paper mainly analyze the presenting conditions and
the causes of financing plight from the following three aspects: National
macro-policy、Financial system、quality of the enterprises itself, then e to the
conclusion. They are the principal factors which make the small-medium sized
enterprises hard to finance, such as the imperfection social financing system、
immaturity of credit warranty、asymmetric information of the enterprises、unsound
system of enterprises themselves、the low credits and so on. On the bases of
benefiting from foreign experiences and fundamental realities of our country, we will
get down to improve the quality of their own. At the same time, we also accelerate
to build multi-levels, all- dimensional, perfect supportive financing system and
improve the macro-policy environment. In this case, we can ensure the quick and
healthy development of small-medium sized enterprises and even our whole natio