毕业论文 美国次贷危机背景下我国中小企业融资困境与对策研究.doc
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毕业论文 美国次贷危机背景下我国中小企业融资困境与对策研究,[摘 要] 中小企业是中国经济发展的不竭动力，是构造市场经济的主体，是促进社会稳定的基础力量。但是融资问题一直是困扰和制约中小企业发展的难题。尽管中国政府在改善中小企业融资困境上出台了不少政策，但收效甚微。在美国次贷危机引发的全世界金融危机的影响下，使得中小企业融资呈现新情况、新问题，融资环境不断恶化，中小企业融资能力...
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[摘 要] 中小企业是中国经济发展的不竭动力，是构造市场经济的主体，是促进社会稳定的基础力量。但是融资问题一直是困扰和制约中小企业发展的难题。尽管中国政府在改善中小企业融资困境上出台了不少政策，但收效甚微。在美国次贷危机引发的全世界金融危机的影响下，使得中小企业融资呈现新情况、新问题，融资环境不断恶化，中小企业融资能力持续下降，融资渠道相应减少，甚至出现了大批中小企业由于资金链断裂，纷纷倒闭的现象。在这种环境下，我国中小企业融资面临着更大的挑战，如何解决中小企业融资难问题已成为社会各界日益关注的焦点和热点问题之一。可见在当前金融危机侵袭下，重新探讨中小企业融资难问题关系到中小企业的生死存亡，更加具有重要的现实意义。
[关键词] 金融危机 ；中小企业 ；融资租赁 ；联贷联保
U.S. subprime mortgage crisis in the context of SME financing difficulties and Countermeasures
Abstract：SMES(Small and medium enterprises) are the inexhaustible motive force for China's economic development which is the main structure of the market economy and base strength to promote social stability. But financing problems is always distresses and constraints of SMEs’ development. Although the Chinese government has improved financing difficulties of SMEs which made a number of policies, but the effect was very small. The United States subprime mortgage crisis led to the world financial crisis, and making SME financing to at new situations and have new problems, deteriorating financing environment, financing capacity of small and medium enterprises continued to decline, a corresponding reduction in financing, and even a large number of SMEs in the capital chain have been closed down . In this situation, the financing of SMEs in China faced a bigger challenge, how to solve the problem of financing SMEs have become the hot issues around the world. We can see that under the attack of the current financial crisis, to explore the financing problem of SMEs related to the survival of small and medium enterprises, has a more important and realistic significance.
Keywords：financial crisis ；SMEs ；financial leasing ；joint loan
目 录
1 绪论 1
1.1 文献综述 1
1.1.1 国外的研究综述 2
1.1.2 国内的研究综述 3
1.2 研究框架 4
1.3 术语说明 5
2 金融危机对中小企业的影响 6
3 金融危机下中小企业融资困境的原因分析 8
3.1 宏观原因 8
3.1.1 金融危机的影响 8
3.1.2 政府政策环境不够完善 9
3.2 微观因素 10
3.2.1 企业自身 10
3.2.2 银行角度 12
4 金融危机下缓解我国中小企业融资难的对策 15
4.1 创新型融资方式 15
4.1.1 融资租赁 15
4.1.2 建立中小企业无形资产评价机制 16
4.1.3 联贷联保 18
4.2 建立多元化的中小企业融资体系 19
4.2.1 内源融资体系 19
4.2.2 间接融资体系 20
4.2.3 直接融资体系 22
结论 24
致 谢 26
参考文献 27
[关键词] 金融危机 ；中小企业 ；融资租赁 ；联贷联保
U.S. subprime mortgage crisis in the context of SME financing difficulties and Countermeasures
Abstract：SMES(Small and medium enterprises) are the inexhaustible motive force for China's economic development which is the main structure of the market economy and base strength to promote social stability. But financing problems is always distresses and constraints of SMEs’ development. Although the Chinese government has improved financing difficulties of SMEs which made a number of policies, but the effect was very small. The United States subprime mortgage crisis led to the world financial crisis, and making SME financing to at new situations and have new problems, deteriorating financing environment, financing capacity of small and medium enterprises continued to decline, a corresponding reduction in financing, and even a large number of SMEs in the capital chain have been closed down . In this situation, the financing of SMEs in China faced a bigger challenge, how to solve the problem of financing SMEs have become the hot issues around the world. We can see that under the attack of the current financial crisis, to explore the financing problem of SMEs related to the survival of small and medium enterprises, has a more important and realistic significance.
Keywords：financial crisis ；SMEs ；financial leasing ；joint loan
目 录
1 绪论 1
1.1 文献综述 1
1.1.1 国外的研究综述 2
1.1.2 国内的研究综述 3
1.2 研究框架 4
1.3 术语说明 5
2 金融危机对中小企业的影响 6
3 金融危机下中小企业融资困境的原因分析 8
3.1 宏观原因 8
3.1.1 金融危机的影响 8
3.1.2 政府政策环境不够完善 9
3.2 微观因素 10
3.2.1 企业自身 10
3.2.2 银行角度 12
4 金融危机下缓解我国中小企业融资难的对策 15
4.1 创新型融资方式 15
4.1.1 融资租赁 15
4.1.2 建立中小企业无形资产评价机制 16
4.1.3 联贷联保 18
4.2 建立多元化的中小企业融资体系 19
4.2.1 内源融资体系 19
4.2.2 间接融资体系 20
4.2.3 直接融资体系 22
结论 24
致 谢 26
参考文献 27
