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论文编号：	2558
作者编号：	2220090989
上传时间：	2010/6/11 15:19:53
中文题目：	我国中小企业融资难问题研究
英文题目：	The Research about Small and Medium-sized Enterprises Financing Difficult in China
指导老师：	刘志远
中文关键字：	关键词：中小企业 融资 商业银行
英文关键字：	Keywords: Small and Medium-sized Enterprises; financing difficultly；Commercial Bank
中文摘要：	我国中小企业已成为国民经济的重要组成部分，是我国全面实现小康目标的重要力量，在发展经济﹑扩大就业﹑活跃市场等方面发挥着重要作用。但是由于其规模相对较小、科技含量整体相对较低等客观条件的限制，在发展中面临着诸如融资难﹑赋税重﹑社会化服务体系不配套等诸多障碍，其中融资难问题已成为严重制约中小企业的发展壮大的“瓶颈”。 本文通过对我国中小企业融资相关理论的阐述及融资现状的分析，认为我国中小企业融资难形成原因是多方面﹑多层次的，是企业自身融资能力有限、金融体制不完善、政府制度供给及金融扶持不足等微观和宏观约束共同作用的结果，因此本文从企业﹑政府、商业银行等三个层面探析我国中小企业融资难问题的解决途径，并通过实际案例来论证分析。 对照中小企业融资难的原因分析，解决中小企业融资难是一个长期、复杂的社会系统工程，要从企业自身﹑政府和金融机构等三方面着手来整合解决，核心部分在于中小企业自身能力的提升，基础部分则在于金融机制进行改进配合相适应，和政府积极且恰当的引导和支持，而信用问题始终贯穿于这三个方面，是它们的交集。解决这一课题，不仅仅是资金量上的支持，更要提高企业自身融资能力和信誉度；注重金融体制创新，消除金融抑制；改善政府调控宏观经济的职能，加强制度供给和金融扶持，培育良好的社会信用体系，发挥市场机制在资源配置方面的基础性作用。这些都是解决中小企业融资困难问题的对策和现实选择。
英文摘要：	Chinese SMEs have become an important part of the national economy, is the full realization of our goals off a major force in developing the economy to expand employment and active markets play an important role. However, due to its relatively small size, relatively low technology content such as the overall objective conditions, such as in development financing difficulties faced heavy taxation and social service system is not necessary and so many obstacles, which has become a serious problem of financing constraints of SMEs development and growth of the "bottleneck." Based on the analysis of the status of financing of SMEs, that form of financing of SMEs are many reasons, multi-level, self-financing capacity of the enterprise is limited, the financial system is incomplete, the system of government supply and lack of financial support for micro and macro constraints result of the role, this article from the business, Government, commercial banks, three levels of the reasons of financing of SMEs. Control because of financing difficulties, I believe that sized Enterprises is a long complex social systems engineering.From the enterprises themselves, Government and financial institutions to integrate the three aspects to resolve, the core part of SMEs themselves ability to enhance the basic part is to improve the financial mechanisms compatible with, and the government actively and appropriate guidance and support, while the credit issue has always run through these three aspects, is their intersection. Address this issue, not only on the amount of money to support, but also to enhance their own financial capacity and credibility; focus on the financial system innovation, elimination of financial repression; to improve macroeconomic regulation and control the functions of government, strengthen the system of supply and financial support, training good social credit system, bring the market mechanism in resource allocation based role. These are the paper that the financing difficulties of SMEs to solve these problems and realistic choice.
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