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安徽审计职业学院

毕业设计（论文）

题目

系 别 专 业 班 级 姓 名 学 号 指导老师

安徽审计职业学院 教务处 印制

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浅析中小企业融资难的原因与对策

摘 要：改革开放30多年来,我国的中小企业迅速发展壮大,已成长为推动国民经济持续、健康发展的生力军和最具活力的\经济增长点\。从目前的世界各国来看，无论是发达国家，还是发展中国家，中小型企业都是维持社会稳定和经济发展的重要因素。因此，世界各国在怎样解决中小企业融资问题上都非常重视。相比较而言，在西方国家只是一个经济运行比较单纯的问题。而在我国还要受到经济体制的限制等问题。所以中小企业融资难问题在我国就显得更加复杂。本文就目前国内经济背景下，浅析我国中小企业融资难得原因以及应对策虐! 关键词：中小企业、融资难、融资渠道

Analysis on the reasons and Countermeasures

for the financing difficulty of small and medium sized enterprises

Abstract: reform and opening up 30 years, our country small and medium-sized enterprise rapid development and growth, has grown to promote the national economy sustained and healthy development of the force and the most dynamic economic growth point \the world, whether in developed countries or developing countries, small and medium enterprises is to maintain social stability and economic development of the important factors. Therefore, every country in the world in how to solve SME financing problems are very seriously. In comparison, in western countries is a economic operation relatively simple problems. And in our country but also by the economic system restriction. So small and medium-sized enterprise financing difficult problem in our country It is even more complicated.Based on the current domestic economic background, the paper analyzes the reasons for the financing of small and medium enterprises in our country and the Countermeasures

Key words: small and medium-sized enterprises、 financing difficulties、 financing channels

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目录

引言 .................................................................................................................................................. 3 1 中小企业概念以融资难现状 ....................................................................................................... 3

1.1中小企业概念 .................................................................................................................... 3 1.2中小企业融资难现状 ........................................................................................................ 3

1.2.1中小企业银行贷款信用低 .................................................................................... 3 1.2.2中小企业在资本市场的融资渠道狭窄 ................................................................ 4 1.2.3国家政策对中小企业的扶持力度不够 ................................................................ 4 1.2.4融资成本较高 ........................................................................................................ 4

2 中小企业融资难问题分析 ......................................................................................................... 4

2.1缺乏专门服务中小企业的金融机构 ................................................................................ 4 2.2信用担保体系有待完善 .................................................................................................... 4 2.3中小企业和民营经济的自身条件有待提高 .................................................................... 5 2.4金融机构在资本市场上的“区别对待” ........................................................................ 5 2.5银行借款期限短数目小 .................................................................................................... 5 3解决中小企业融资难的策略及建议 .................................................................................... 5 3.1企业内部策略及建议 ........................................................................................................ 5

3.1.1资金追求要合理 .................................................................................................... 5 3.1.2资金使用上面追求效益 ........................................................................................ 6 3.1.3筹资渠道上，追求以信誉取胜 ............................................................................ 6 3.1.4大胆探索区别于大企业的“绿色通道” ............................................................ 6 3.2企业外部筹资策略及建议 ................................................................................................ 6

3.2.1实施针对中小企业的差别化信贷 ........................................................................ 6 3.2.2扩宽中小型企业融资渠道 .................................................................................... 7 3.2.3全面加强与中小企业信用担保机构的合作 ........................................................ 7 3.2.4政府加强对中小企业的扶持 ................................................................................ 7 3.2.5加快建立完善的信用担保体系 ............................................................................ 7

结语： .............................................................................................................................................. 7 参考文献：....................................................................................................................................... 8 致谢： .............................................................................................................................................. 8

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