关于我国中小企业融资担保问题的研究.

关于我北京市高等教育自学考试

金融专业本科毕业论文（序号：）关于我国中小企业融资担保问题的研究

专业：金融专业

指导老师：黄志刚

姓名：李姣云

准考证号： 190109102636

提交日期： 2012年9月30日

摘要

改革开放以来，我国中小企业如雨后春笋般的迅速发展起来，占全国公司总数 99％的中小企业作为我国社会主义市场经济当中最具生机和活力的群体已经成为我国经济增长的重要动力之一，在产品的技术创新，产业结构调整，区域经济的崛起，解决就业和农村劳动力的转移等方面发挥着重要的作用。但是仍存在着发展环境不宽松、企业起点较低、科技含量偏低、融资难等诸多问题。其中，融资难是影响其发展的重要瓶颈。无论从何角度看，融资难已经发展为长期性、世界性话题了，然而无论国内还是国外已有很多学者对中小企业融资难进行了研究与分析。分析我国中小企业融资难除了自身原因外，还有政府和银行其他的外在因素，然而融资难的根本原因在于担保难。本文主要是从我国中小企业融资担保这一角度对虽然已经不是新鲜话题但却形势依然严峻的融资难问题进行了分析，结合中国的具体国情，在阐述我国中小企业融资担保目前存在的问题的基础上，提出了改善我国中小企业融资担保的策略和建议，以及我国中小企业融资担保的创新，为政府、投资者和企业等各个社会经济主体进行经济判断和决策提供参考意见。除此之外，本文还运用了调查研究法等多种研究方法，以便使自己的研究结构更具有实用性和代表性。

关键词：中小企业；融资担保；创新；

ABSTRACT

Since the reform and open policy, our country small and medium-sized enterprise such as bamboo shoots after a spring rain as rapidly, occupy countrywide company number 99% of the small and medium-sized enterprises of our country socialist market economy as the most has the vigor and vitality of the groups in China's economic growth has become one of the important driving force, the product of technical innovation, the adjustment of industrial structure, regional economy, solve obtain employment and the transfer of rural labor force and play an important role. But still exist development environment is not comfortable, enterprise starting point is

them, the difficulty of financing is affecting its development important bottleneck. From whatever angle, financing has been developed for long-term, cosmopolitan topic, however, whether domestic or foreign scholars have a lot of difficulties in financing small and medium enterprises to undertake research and analysis. The analysis of SME financing difficulties in addition to their own reasons, and the government and

to guarantee. This article is mainly from China's SME financing guarantee this perspective to although already not fresh topic but situation still austere financing difficult question undertook an analysis, combined with China's specific national conditions, in elaborating our country small and medium-sized enterprise financing guarantee at present on the basis of the existing problems, put forward to improve our country small and medium-sized enterprise financing guarantee strategies and suggestions, and China's small and medium enterprises financing innovation, government, investors and enterprises in various social and economic entity economic judgment and decision-making provide reference opinion. In addition, the paper also uses a survey research and other research methods, in order to make their research more practical and representation.

KEY WORDS：Small and medium enterprises；financing guarantee,；innovation；