我国中小企业融资难的原因及对策.doc
约27页DOC格式手机打开展开
我国中小企业融资难的原因及对策, 14800字摘要： 改革开放以来，国民经济不断加速升温，我国中小企业发展迅速在大好势头下茁壮成长，成为社会主义市场经济的中流砥柱。无论是经济高度发达的发达国家还是相对落后的发展中国家，中小企业已成为世界各国的国民经济支柱， 加速中小企业的发展，可以促使国民经济持续健康稳定的增长。然而，中...
内容介绍
此文档由会员 曹操55 发布
我国中小企业融资难的原因及对策
14800字
摘要： 改革开放以来，国民经济不断加速升温，我国中小企业发展迅速在大好势头下茁壮成长，成为社会主义市场经济的中流砥柱。无论是经济高度发达的发达国家还是相对落后的发展中国家，中小企业已成为世界各国的国民经济支柱， 加速中小企业的发展，可以促使国民经济持续健康稳定的增长。然而，中小企业的发展道路上布满了各种障碍，其面对的许多困难中最突出是其融资难的问题，这是一个世界性的难题和长久性的课题。造成我国中小企业融资难的原因，不仅有中小企业自身存在缺陷的原因，同时还存在金融机构注重自身的经营效益，对中小企业的积极性不高、政府部门对中小企业扶持不足等各方面的原因。
本文分析目前我国中小企业的融资现状，借鉴美国中小企业融资的相关理论，对美国中小企业融资制度和政策进行比较分析，剖析我国中小企业自身存在的问题，以及银行贷款难是造成我国中小企业融资难的主要原因。在此基础上，借鉴美国中小企业的融资政策、制度对我国的启示，提出了一系列缓解我国中小企业融资难的相关对策和建议。
关键词：中小企业 融资难 问题 原因 对策
The reason and Countermeasure of financing of small and medium-sized enterprises in China
Abstract: Since reform and opening up, national economy has been increasing all the time. Small and medium-sized enterprises in our country are developing rapidly thrived in good momentum, which has become a mainstay of the socialist market economy. Whether it is a highly developed economy in developed countries or developing countries relatively backward , small and medium-sized enterprises have become a pillar of the national economy in many countries around the world. Speeding up the development of small and medium-sized enterprises can prompt the growth of national economy which continues to be healthy and stable. However, with the development of small and medium-sized enterprises on the road being full of obstacles, the most prominent factor of facing a number of difficulties is the difficulty in financing , which is a worldwide problem and lasting topic. In view of the cause of small and medium-sized enterprise in our country financing difficulties, not only has the reason of small and medium-sized enterprises own existence flaw, but also the existence of financial institutions to pay attention to their own management benefit, at the same time, small and medium-sized enterprises’ enthusiasm is not high and the government departments for small and medium-sized enterprises lack of support and so on various reasons.
In this paper, contain analysis of the present status of the small and medium-sized enterprises financing in China and reference to the relevant theories of the small and medium-sized enterprises financing in the USA, in addition, it analyzes the problem of small and medium-sized enterprise itself in our country and difficult bank loans are the main reasons for the financing difficulties of small and medium-sized enterprises in our country. Based on this, as well as reference to the small and medium-sized enterprise financing policy in America and system of our country's enlightenment, a series of countermeasures and suggestions related to financing problems of small and medium-sized enterprises are proposed.
Key words：Small and medium-sized enterprises; Financing difficulties; Problem; Reason; Countermeasure.
目 录
引言...................................................1
第一章 研究的相关理论基础.............................2
1.1 中小企业的界定.............................................2
1.2 中小企业融资的方式.........................................5
第二章 我国中小企业融资存在的问题及成因分析...........8
2.1 中小企业自身存在的问题及原因...............................8
2.1.1 企业自身信用缺失，信用观念淡薄........................9
2.1.2 中小企业管理水平相对较差..............................9
2.1.3 中小企业担保难........................................10
2.2 中小企业外部存在的问题及原因(以银行贷款存在问题为例)......10
2.2.1 信贷歧视.............................................11
2.2.2 商业银行对不良贷款的容忍度降低.......................12
第三章 中小企业融资的国际借鉴(以美国为例)............13
3.1 美国中小企业融资模式.....................................13
3.2 美国对中小企业融资的政策扶持.............................13
3.3 美国中小企业融资对我国的启示.............................15
第四章 我国中小企业融资难的解决对策..................17
4.1 解决中小企业自身方面存在的问题...........................17
4.1.1 建立统一的信用评价体系...............................17
4.1.2 政府设立专门机构对中小企业进行担保...................17
4.1.3 提升人力资源管理能力.................................17
4.2 解决银行贷款难的问题.....................................18
4.2.1 从客观角度看中小企业，消除对中小企业信贷歧视........18
4.2.2 按照社区银行的标准改造城市商业银行..................18
4.2.3 在办事程序上精简细化.................. .............19
结..
14800字
摘要： 改革开放以来，国民经济不断加速升温，我国中小企业发展迅速在大好势头下茁壮成长，成为社会主义市场经济的中流砥柱。无论是经济高度发达的发达国家还是相对落后的发展中国家，中小企业已成为世界各国的国民经济支柱， 加速中小企业的发展，可以促使国民经济持续健康稳定的增长。然而，中小企业的发展道路上布满了各种障碍，其面对的许多困难中最突出是其融资难的问题，这是一个世界性的难题和长久性的课题。造成我国中小企业融资难的原因，不仅有中小企业自身存在缺陷的原因，同时还存在金融机构注重自身的经营效益，对中小企业的积极性不高、政府部门对中小企业扶持不足等各方面的原因。
本文分析目前我国中小企业的融资现状，借鉴美国中小企业融资的相关理论，对美国中小企业融资制度和政策进行比较分析，剖析我国中小企业自身存在的问题，以及银行贷款难是造成我国中小企业融资难的主要原因。在此基础上，借鉴美国中小企业的融资政策、制度对我国的启示，提出了一系列缓解我国中小企业融资难的相关对策和建议。
关键词：中小企业 融资难 问题 原因 对策
The reason and Countermeasure of financing of small and medium-sized enterprises in China
Abstract: Since reform and opening up, national economy has been increasing all the time. Small and medium-sized enterprises in our country are developing rapidly thrived in good momentum, which has become a mainstay of the socialist market economy. Whether it is a highly developed economy in developed countries or developing countries relatively backward , small and medium-sized enterprises have become a pillar of the national economy in many countries around the world. Speeding up the development of small and medium-sized enterprises can prompt the growth of national economy which continues to be healthy and stable. However, with the development of small and medium-sized enterprises on the road being full of obstacles, the most prominent factor of facing a number of difficulties is the difficulty in financing , which is a worldwide problem and lasting topic. In view of the cause of small and medium-sized enterprise in our country financing difficulties, not only has the reason of small and medium-sized enterprises own existence flaw, but also the existence of financial institutions to pay attention to their own management benefit, at the same time, small and medium-sized enterprises’ enthusiasm is not high and the government departments for small and medium-sized enterprises lack of support and so on various reasons.
In this paper, contain analysis of the present status of the small and medium-sized enterprises financing in China and reference to the relevant theories of the small and medium-sized enterprises financing in the USA, in addition, it analyzes the problem of small and medium-sized enterprise itself in our country and difficult bank loans are the main reasons for the financing difficulties of small and medium-sized enterprises in our country. Based on this, as well as reference to the small and medium-sized enterprise financing policy in America and system of our country's enlightenment, a series of countermeasures and suggestions related to financing problems of small and medium-sized enterprises are proposed.
Key words：Small and medium-sized enterprises; Financing difficulties; Problem; Reason; Countermeasure.
目 录
引言...................................................1
第一章 研究的相关理论基础.............................2
1.1 中小企业的界定.............................................2
1.2 中小企业融资的方式.........................................5
第二章 我国中小企业融资存在的问题及成因分析...........8
2.1 中小企业自身存在的问题及原因...............................8
2.1.1 企业自身信用缺失，信用观念淡薄........................9
2.1.2 中小企业管理水平相对较差..............................9
2.1.3 中小企业担保难........................................10
2.2 中小企业外部存在的问题及原因(以银行贷款存在问题为例)......10
2.2.1 信贷歧视.............................................11
2.2.2 商业银行对不良贷款的容忍度降低.......................12
第三章 中小企业融资的国际借鉴(以美国为例)............13
3.1 美国中小企业融资模式.....................................13
3.2 美国对中小企业融资的政策扶持.............................13
3.3 美国中小企业融资对我国的启示.............................15
第四章 我国中小企业融资难的解决对策..................17
4.1 解决中小企业自身方面存在的问题...........................17
4.1.1 建立统一的信用评价体系...............................17
4.1.2 政府设立专门机构对中小企业进行担保...................17
4.1.3 提升人力资源管理能力.................................17
4.2 解决银行贷款难的问题.....................................18
4.2.1 从客观角度看中小企业，消除对中小企业信贷歧视........18
4.2.2 按照社区银行的标准改造城市商业银行..................18
4.2.3 在办事程序上精简细化.................. .............19
结..
