中小企业的融资问题研究

本科毕业论文（设计）

题目论述中小企业的发展问题

——中小企业的融资问题研究

经济管理系工商管理专业学号

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指导教师

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目录

绪论 (1)

一中小企业的概念及作用 (4)

（一）中小企业的界定 (4)

（二）中小企业的地位和作用 (4)

二中小企业的融资方式 (5)

（一）吸引直接投资 (5)

（二）吸收间接投资 (5)

（三）金融机构融资 (6)

三中小企业融资困难原因剖析 (6)

（一) 中小企业自身原因 (6)

（二）银行方面的原因 (7)

四对我国中小银行与中小企业实现双赢的几点建议 (7)

（一）中小企业发展问题改进 (7)

（二）银行建设中的参考建议 (8)

结论 (9)

参考文献 (10)

论述中小企业的发展问题

——中小企业的融资问题研究

摘要

近年来，中小企业凭借其数量多，分布广的优势在我国经济发展中发挥了重要作用。中小企业在国民经济中占有十分重要的地位。目前，我国工商注册登记的中小企业占全部注册企业总数的99％。中小企业工业总产值、销售收入、实现利税分别占总量的60％、57％和40％；流通领域中小企业占全国零售网点的90％以上。中小企业大约提供了75％的城镇就业机会。近年来的出口总额中，有60％以上是中小企业提供的。然而，有关调查表明：中国中小企业的平均寿命由以前的5.7年缩短到现在的2.4年。特别在这次由美国金融危机引发的世界经济动荡中，大量的中小企业陷入困境，甚至倒闭，中小企业的发展显得举步维艰。

美国金融危机引发的全球经济危机使得大多数国家遭受重创，我国经济也受到了一定影响，但我国金融业尤其我国商业银行在此次危机中总体表现良好。然而，我们在看到成绩的同时，更应该看到与国外同业的差距，尤其是我国银行业市场结构的不合理，不同类型银行市场定位仍不明确，使得本就融资困难的中小企业雪上加霜，这已经严重影响到银行业对我国经济增长的贡献作用。通过分析金融危机对我国经济的影响，揭示我国银行业市场结构的不合理之处，探讨我国中小银行的市场定位问题，借以对我国中小银行发展和中小企业融资问题提出建议。

【关键词】中小企业融资金融机构

On The Development of SMEs

——Financing of SMEs

Abstract

In recent years, small and medium enterprises, with its large number and wide distribution of advantages in economic development played an important role. SMEs in the national economy plays a very important position. At present, SMEs in industrial and commercial registration of the total 99% of the total number of registered enterprises. SMEs in total industrial output value, sales income and profits accounted for 60% of the total, 57% and 40%; circulation of small and medium enterprises account for more than 90% of retail outlets. SMEs provide about 75% of urban employment opportunities. Total exports in recent years, 60% are SME's. However, the survey showed that: average life expectancy of Chinese SMEs from the previous 5.7 years reduced to 2.4 years now. Particularly in the U.S. financial crisis triggered by the economic turmoil in the world, a large number of small and medium enterprises in trouble, or even close down, the development of SMEs seem difficult.

U.S. financial crisis triggered by the global economic crisis has suffered heavy losses in most countries, China's economy has also been some impact, but China's financial sector in particular, commercial banks in the crisis of the overall good performance. However, we see the results at the same time, it should be noted that the gap between the industry and abroad, especially in China's banking market structure is irrational, the market positioning of different types of banks is not clear, making the financing difficulties of SMEs to worse, This has severely affected the banking sector's role in China's economic growth. Through analysis of the financial crisis on China's economy, China's banking market structure reveals unreasonable to explore China's market positioning of small and medium banks, small banks in China to develop and make recommendations on SME financing.

【Key words】small and medium sized banks financing financial institutions