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论文编号：	9682
作者编号：	2120152763
上传时间：	2017/12/8 16:42:13
中文题目：	天津市小微企业融资难问题研究——以XR公司为例
英文题目：	The Study on Financing Problem of Tianjin Sma --The Case of XR Company
指导老师：	苏东海
中文关键字：	天津；小微企业 ；融资难； XR公司
英文关键字：	Tianjin; Small and Micro Enterprises; Financing Difficulties；XR Company
中文摘要：	近年来，小微企业迎来了迅猛发展，在当前经济发展中具有重要地位，尤其是在推进国民经济发展、降低失业率、促进科技创新等方面正在发挥着不可替代的作用。随着我国经济体制不断完善，经济改革不断深化，小微企业必将成为我国经济发展和社会进步的新型增长点。所以，对小微企业的研究将具有重要的现实意义。任何企业的发展都离不开金融的支持，小微企业更是需要持续的资金支持。然而，在我国大量资金流向大中型企业，只有不到两成的正规金融机构信贷能够投入到小微企业中。此外，由于小微企业在企业规模、科技水平及行业地位上与大中型企业差距较大，使得其不得不面对高昂的融资价格。因此，小微企业融资面临严峻的挑战。 天津是我国北方重要的经济中心，更是环渤海地区的经济中心和现代化港口城市。全国第三次经济普查数据表明，天津市小微企业法人单位占所有企业法人单位总数的94.8%，总数达18.62 万家。天津小微企业在天津市及京津冀地区的经济发展中占有重要地位。本文在国内外小微企业融资理论研究成果基础上，一方面从融资特点、融资困难的原因及解决对策三个方面对小微企业融资理论进行回顾，另一方面梳理出适用于我国小微企业融资的理论。然后对天津市小微企业发展现状及特点、融资环境进行分析。同时，通过对天津市最新贷款数据进行分析，以融资价格为切入点深入分析小微企业融资难的原因。在分析XR公司融资困难原因并给出解决方案后，结合国内外先进经验及近年来天津市以及国家相关产业、金融政策，提出解决天津市小微企业融资难问题的对策和建议，某种程度上能够减少资金流紧张对小微企业发展和前进的限制。
英文摘要：	In recent years, small and micro enterprises ushered in the rapid development of the current economic development has an important position, especially in promoting the national economic development, reducing unemployment, promoting scientific and technological innovation which is playing an irreplaceable role. Therefore, with the continuous improvement of Chinese economic system, economic reform has been deepening, small and micro enterprises will become the new growth point of Chinese economic development and social progress . Therefore, the study of small micro-enterprises will have far-reaching practical significance. Any enterprise development is inseparable from the financial support and small micro-business needs for continuous financial support. However, in China, a large number of funds flow to large and medium-sized enterprises, only less than two percent of the formal financial institutions can be invested into small micro-enterprises. In addition, compared to the large and medium-sized enterprises, the enterprise size, technology and industry status of the small and micro enterprises has a and gap which maks it face the high financing price. Therefore, small micro-enterprise financing is being faced the severe challenges. Tianjin is an important economic center in the north of China. It is the economic center of the Bohai Sea region and the modern port city. The third economic census data shows that Tianjin micro-enterprise corporate units accounted for 94.8% of the total number of corporate units which is 186,600. Tianjin small micro enterprises in Tianjin and Beijing-Tianjin-Hebei region's economic development occupies an important position. On the basis of the research results of small and micro enterprise financing theory at home and abroad, this paper reviews the financing theory of small and micro enterprises from the aspects of financing characteristics, the reasons of financing difficulties and the countermeasures. On the other hand, this paper reviews the theory of financing. And then this paper analyzes the current situation, characteristics and financing environment of small micro enterprises in Tianjin. At the same time, through the analysis of the latest loan data in Tianjin, taking the financing price as the starting point, this paper deeply analyzes the reasons of the financing difficulties of the small and micro enterprises . After analyzing the reasons of the difficulty of XR financing and giving the solution, the paper puts forward some countermeasures and suggestions to solving the financing problem of small enterprises in Tianjin on the basis of combining with the advanced experience both at home and abroad and the related industries and financial policies of Tianjin and the nation in recent years. To some extent, this can reduce the restrictions of the flow of funds to the development and progress of the small micro-enterprises .
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