浅谈企业融资 学位论文

湖南广播电视大学

开放教育、成人教育专科毕业作业题目：浅谈企业融资

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湖南广播电视大学教务处制

内容摘要

中小型企业是我国乃至世界国民经济中的重要组成，中小企业的发展对于完善市场经济体制，实现社会现代化，为国有企业改革创造良好的外部环境，发挥着重要作用。目前，中小企业已成为我国社会经济体系的重要组成部分，是吸纳众多劳动力就业、培育新的经济增长点的主要载体。已成为拉动国民经济的新的增长点，是推动我国经济景气上行的主要动力之一。但就其整体发展状况而言，中小企业又是社会经济中的弱势群体，在其日益发展壮大过程中，受许多因素制约，使其面临着许多困难，受制于我国当前独特的体制、机制和政策等，中小企业发展面临着许多企业自身难以克服的经济、制度以及法律等方面的矛盾和问题。其中，其中尤为突出的是融资难的问题，资金紧张、融资问题更是首当其冲，成为人们高度关注的一个问题。融资得不到解决，势必严重影响国民经济以及国民生活，鉴于此，如何找到一条能够长期，稳定，高效的面向中小企业的融资之道，是我国乃至世界各国共同的目标，也是金融界力求破解的一道难题。本文通过整理和总结中外中小企业融资经验教训的基础上，就如何解决中小企业融资难提出应对之策。

关键词：中小企融资难

Content

The Small and medium enterprises of our country and even the world is an important component of national economy, the development of small and medium-sized enterprises to perfect the market economic system, realizing the social modernization, for the reform of state-owned enterprises, and create a good external environment, plays an important role. At present, the small and medium-sized enterprise has become China's social and economic system is an important part of attracting labor employment, cultivating new economic growth point of the main carrier. Boosting the national economy has become the new growth point of, is promoting China's economic boom of the main force of the upward. But the overall development situation is concerned, small and medium-sized enterprise is social vulnerable groups in economy, in its increasingly development and expansion process, restricted by many factors, make its faces many difficulties, subject to our current unique system, mechanism and policy, small and medium-sized enterprise development is faced with many enterprise itself difficult to overcome economy, system and law of contradictions and problems. Among them, including especially financing difficult question, funds, financing problems is first, become people highly concerned a problem. Financing are resolved, certainly will seriously affect the national economy and national life, in view of this, how to find a way to long-term, stable and efficient for small and medium-sized enterprise financing of way, is our country and even the world to goal, which is a difficult problem to decode the financial community. This article through the consolidation and summarizes the Chinese and foreign small and medium-sized enterprise financing based on the experiences and, on how to solve the financing difficulty of policy measures put forward.

目录

1 导言 (1)

1.1 研究背景及意义 (1)

1.2 国内外研究动态 (1)

1.3 研究的方法及思路 (2)

1.4 中小企业融资相关概念 (2)

2 中小企业融资现状及成因分析 (3)

2.1 中小企业融资现状 (3)

2.1.1 融资渠道少 (3)

2.1.2 借贷局限性 (4)

2.1.3 直接融资门槛高 (4)

2.1.4 融资走向民间借贷 (4)

2.2 中小企业融资困难的成因 (4)

2.2.1 中小企业运作不规范 (4)

2.2.2 缺乏相应的金融机构和政策 (4)

2.2.3 金融机构和中小企业之间的信息不对称 (4)

2.2.4 融资程序影响了积极性 (4)

2.2.5 金融界的“抓大放小” (4)

3 解决我国中小企业融资困难的建议 (5)

3.1 中小企业自身规范 (5)

3.1.1 建立规范的制度 (5)

3.1.2 提高经营管理水平 (5)

3.1.3 充分挖掘内部融资潜力 (5)

3.1.4 寻求上市融资证券市场 (5)

3.2银以及各金融机构应采取的施 (5)