本科生毕业论文——温州中小企业“倒闭潮”的深层经济原因分析（附带开题报告）.doc

本科生毕业论文——温州中小企业“倒闭潮”的深层经济原因分析（附带开题报告）

摘要

 “温州模式”曾因其对温州经济的巨大推动作用而备受推崇和效仿。然而近段时间，温州中小企业的大量破产和倒闭却使得这一模式受到严峻挑战。对于温州中小企业倒闭现象的原因，学术界一直是众说纷纭。本文通过理论和数据结合的方法，通过对“温州模式”特点的分析，对温州中小企业内部管理、政府以及金融机构政策方面的局限进行探讨，论证这场温州企业“倒闭潮”背后的经济原因。温州模式自身的特点决定了其自主性强的特点，但同时又容易导致企业盲目经营，在日益激烈的竞争下，科技能力弱的短板也日益暴露。温州中小企业多是家族式的管理模式，这种模式做大之后如不向现代企业制度靠拢，就会阻碍企业的进一步发展。在这场“倒闭潮”中，政府税收过重以及国家宏观经济政策也难辞其咎。中小企业的贷款难、资金链断裂的问题则要从模式本身和金融机构共同找原因。据此本文得出结论，倒闭危机的化解，要从模式的继承和提高，政府政策的引导，企业管理的完善和银行对中小企业融资的支持方面采取一揽子的措施。 

关键词:  破产；温州模式；管理；贷款；政府政策

Abstract

The Wenzhou mode had been admired and emulated by others for its great contribution to Wenzhou’s economy. In recently however, the model was challenged for lots of its enterprises were died. About the reasons of this bankruptcy, a lot of explanation has been given. In this article, theory and date are used to analyze reasons of this bankruptcy matter. To finish this, not only the Wenzhou mode is discussed, but the enterprises’ internal management problem, the government—policy and the financial institutions’ policy were also studied. One of the important characteristics of the Wenzhou enterprises is that they would develop all by themselves, but at the same time it’s easy for them to become bland. And with the increasingly fierce competition, weakness in technological capacity is also exposed. Most of the Wenzhou enterprises are managed by a family. This mode will hinder the further development of enterprises if they didn’t make a change. The heavy government—tax, and the country's macroeconomic policy are also to blame in this disaster. And the financial institutions are also play a role in this disaster for it didn’t give enough financial support to the enterprises. For this reason, great effort must be made to solve this problem, for instance, the Wenzhou mode should be improved, the government should guide the enterprises, the enterprise management should be improved and the financial institutions must support enough money to the enterprises.

Key words: Bankruptcy；Wenzhou mode；Management；Loan；Government policy

目录

引言 1
一、温州企业倒闭的状况描述 1
二、对倒闭原因的经济分析 2
（一）温州地域经济的特点和缺陷 1
（二）企业内部管理的问题 3
（三）宏观政策方面的原因 4
（四）金融机构的原因 5
三、走出困境的对策探讨 7
（一）温州模式的继承与创新 7
（二）企业要做优实体经济，努力促进转型升级 8
（三）改进政府的服务职能，着力做大温州总部经济 8
（四）银行要加大帮扶力度，努力与企业共度时艰 9
四、结论 10
参考文献 11
致谢 12