民营企业财务管理中存在的问题及对策分析--融资“尴尬”.doc

民营企业财务管理中存在的问题及对策分析 —— 融资“尴尬”

本科论文 优秀毕业论文

目     录

摘要： 1
英文摘要： 1
前言 2
一 民营企业融资的现状 2
（一）民营企业融资政策 2
（二）民营企业金融机构信贷状况 2
（三）民营企业资本市场融资状况。 3
（四）民营企业非正式金融渠道融资状况 3
二 民营企业中融资中存在的问题 3
（一）从民营企业融资的自身素质分析 3
1．民营企业的资信度不高，信用环境不佳。 3
2．信息不对称，银行难放心。 4
3．民营企业管理模式的滞后。 4
（二）从民营企业融资的外部经营环境分析 5
1．银行及证券存有“偏心”。 5
2．银行“惜贷”，民企遭遇“不平等”待遇。 5
3．我国证券市场门槛过高。 6
4．缺乏为民营企业专门服务的金融机构 6
三 解决民营企业融资问题的对策 7
（一）加强民营企业的公司治理建设 7
（二）鼓励民营企业上市，拓宽直接融资渠道。 7
（三）拓宽间接融资渠道 7
1．让企业对银行“透明化” 7
2．大力引进民营中小商业银行。 8
3．建立中小民营企业的风险担保制度。 8
（四）国外经验对于我国民营企业融资的启示 8
结束语： 9
参考文献： 10

民营企业财务管理中存在的问题及对策分析
                             -------融资“尴尬”
摘要：
民营企业在快速发展的同时，由于自身缺陷和外部环境多种因素也遇到诸多问题，其中特别突出的问题是融资困难。为了解决民营企业融资难的问题，我们可以借鉴国外中小企业融资的成功经验。通过分析国外中小企业的融资特点、融资渠道以及国外政府对中小企业的政策扶持，并结合我国民营企业和我国融资环境的特点，本文就解决民营企业融资难的问题提出几点建议：首先应加快民营企业的公司治理建设即完善民营企业自身的管理和结构；其次，民营企业可拓宽直接融资渠道，这需要国家的政策支持，建立多层次的资本市场；另外，民营企业也可拓宽间接融资渠道，这需要国有商业银行对民营企业增加服务项目和降低门槛，也需要增建多种形式的中小企业金融机构，专门为民营企业服务。

关键词：民营企业；融资；对策

Financing Problems and Solutions of Domestic Private Enterprises

英文摘要：
However,in the meantime of therapid development of private enterprises,due to the shortcomings of itself and external environment and variety of factors,it has encountered many problems;the prominent problem is financing difficulties.
In order to solve the problem that the financing of private enterprises is difficult,we can use the successful experience of financing of foreign SMEs(small and medium-sized enterprises)for reference.By analyzing financing features, financing channels of foreign SMEs,the policy support of foreign government's for SMEs,the combination of China's private enterprises and the characteristics of China's financing environment,a few suggestions on solving the financing problem of China's private enterprises were made in this paper:First,we should speed up the corporate governance and construction of private enterprises,strengthen the scientific management,establish and perfect the corporate governance structure,strengthen the financial management, guarantee the authenticity and legality of accounting information;Secondly,the private enterprises can expand the direct financing channels,which would require the state's policy support,establish and improve a multi-level capital market;In addition,private companies would be able to broaden indirect financing channels,which requires state-owned commercial banks to increase service and lower threshold to private enterprises,and also needs the addition of multiform financial institutions of SMEs, which specialized services for private enterprises.
Key words：Private enterprises；financing；countermeasure.