xx科技有限公司融资存在的问题分析及解决对策毕业论文.doc

摘要
回首全球经济的发展，不难发现已经过去的20世纪是中小企业广泛发展的时代，这一时期中小企业的迅猛发展不仅为西方发达国家的社会经济注入了新的活力，而且也极大推动了发展中国家经济的发展，从而促进了全球经济的持续繁荣、稳定发展。近几十年来，中小企业在促进各国经济发展、科技进步、产业结构优化、扩大就业、财政税收、国际贸易与出口创汇等方面发挥了重要作用。但是，由于我国市场经济体制尚不成熟，各种各样的困扰阻碍了中小企业的发展。本文在我国中小企业发展现状的基础上，通过对已有的企业融资理论的回顾，借鉴发达国家中小企业发展过程中的融资模式的发展，分析了我国中小企业不同成长阶段融资模式的特点及其面临的内外部融资环境，提出优化中小企业内外部融资环境的对策。希望能为正在蓬勃发展的中小企业在融资模式选择方面提供有益的参考，使之能够根据企业发展的内外环境适时地调整融资模式，突破融资困境，以实现其做强、做长寿的发展目标。

关键词：中小企业 融资模式 发展

ABSTRACT
While inspecting the development of global economy，it is obvious that the Past 20th century is the time small and medium enterprises(SME) Prosper wildly .These rapid progress not only refilled new energy to the economy of west developed countries，but also pushed forward that of developing countries，in all，contribute to the prosperity of the global economy. In the latest decades，small and medium enterprises play very important role in economy development，technology advancement，industry structure optimization，job opportunity，government tax income , international trade，and export etc for every country. However，since the market economy system in China is still immature, small and medium enterprises have various difficulties while developing, when it reaches certain size，most of the mean not progress smoothly; some are even starting to decline. his paper base the status quo of the development of small and medium enterprises in China，the current enterprise financing theory is over looked，the development of financing patterns of small and medium enterprises in developed countries is combined，to analyze the characteristic and development of the small and medium enterprises` financing in China in different stages，diversified financing patterns is proposed to overcome the financing constraints，and proposed the optimization measures of the external financing environment for the small and medium enterprises. It is hoped that this paper can provide some resolution to the prosperous small and medium enterprises in financing patterns，help them adopting new financing patterns to break through the financing dilemma，and achieve its becomes strong and longevity development goals.

Key Words: Small and Medium enterprises Financing patterns
Growing一 up Phase Development.