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论文编号：	6744
作者编号：	2220130985
上传时间：	2014/12/5 16:24:43
中文题目：	青岛市中小企业融资现状及对策研究
英文题目：	The Study on Small and Medium Sized Enterprise’s
指导老师：	张玉利
中文关键字：	中小企业；融资现状；解决途径；政策建议
英文关键字：	SMEs；Financing Status；Solution; Policy Recommendations
中文摘要：	中小企业是中国经济发展的动力所在，是我国市场经济体系中最具创新活力的“经济细胞”，它们在促进经济增长、活跃市场经济、保障就业以及促进技术进步等方面一直发挥着十分重要的作用。在我国，中小企业承担着80%以上的就业和70%以上的税收，涉及我国的经济、民生和社会稳定。目前，我国中小企业已成为推动国民经济发展的重要力量，不仅成为中国社会经济中最大的企业群体，同时在解决劳动力就业、促进国民经济的发展中发挥了重要的作用。然而，由于中小企业的规模相对较小、经营风险较大、与金融机构存在较大的信息不对称等中小企业自身发展的局限性和融资外部环境等因素的制约，中小企业在创业和成长过程中面临诸多困难，其中，融资难一直是中小企业发展面临的最大的瓶颈。目前，如何有效化解中小企业融资难问题是现阶段各级政府和金融部门共同面临的一个重要课题。有鉴于此，本文在对中小企业融资相关理论文献综述的基础上，采用发放问卷并结合走访的方式调研了青岛市的218家中小企业，并利用调研所获数据从银行融资、政府支持和信用担保三个方面实证分析了当前青岛市中小企业融资现状及存在问题；然后，在此基础上对青岛市中小企业融资难现状所产生的原因进行了分析，内部原因包括中小企业经营风险大、中小企业资信状况不佳、中小企业缺乏抵押担保；外部原因包括金融机构方面原因、政府支持体系不完善、信用担保体系不健全；最后，在前文分析基础上本文给出了缓解我国中小企业融资难问题的解决途径和政策建议。本文的结论对于促进中小企业的健康发展和实现中国社会经济发展目标、保持经济持续发展和社会稳定，创造劳动力就业机会、完善社会主义市场经济体制，都具有很强的理论和现实意义。同时，本文的研究结论为我国政府解决中小企业融资难题制定有效的信贷融资政策提供了理论依据，同时也指明了解决中小企业融资难问题的改革方向，结论也具有重要的实践意义。
英文摘要：	The small and medium-sized enterprise is the power in Chinese economic development, is the most innovative vitality cells in our country ‘s market economy system. They play a very important role in the promotion of economic growth, the active market economy, the protection of employment and promote technological progress. In our country, small and medium-sized enterprises assume more than 80% jobs and more than 70% tax, and is very important to our country’s economy, people's livelihood and social stability. At present, China's small and medium enterprises have become an important force to promote national economic development, not only become the largest enterprise groups in Chinese social economy, at the same time they play an important role in resolving labor employment and promotion national economy development. However, due to the constraints of small and medium-sized enterprise development limitations and external financing environment, financing has been the main bottleneck in restricting our country’s small and medium-sized enterprise’s growth. At present, the important subject is how to resolve the financing difficulties of small and medium-sized to all levels of government and the financial sectors. In view of this, this article uses the way of questionnaire combined with the visit to investigate 218 enterprises in Qingdao City on the basis of small and medium enterprises financing theory, and we use the investigation data to analyse financing situation of small and medium-sized enterprises in Qingdao city and the existing problems from bank financing, government support and credit guarantee three aspects; and then, we analyse the reason of Qingdao City’s SME financing difficulties, the internal causes include big small and medium-sized enterprise management risk, small and medium-sized enterprises’ poor credit status, lack of collateral; the external reasons include financial institutions’ reasons, the capital market system not perfect, credit guarantee system not perfect; finally, on the basis of previous analysis this paper gives solutions and policy recommendations to alleviate the financing difficulties of small and medium-sized enterprises in our country. The conclusion of this paper has strong theoretical and practical significance in promoting the healthy development of small and medium-sized enterprises, realizing the goal of social economy development, maintaining sustained economic development and social stability, creating employment opportunities, improving the socialist market economic system,. At the same time, the conclusion of this study provides a theoretical basis for the formulation of effective credit financing policy for Chinese government to solve the financing problem of small and medium-sized enterprises, and also we points out the reform direction to solve the problem of SME financing, the conclusion has important practical significance.
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