西北地区中小企业的融资问题研究.doc
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西北地区中小企业的融资问题研究,11500字自己的原创毕业论文，仅在本站独家提交，大家放心使用摘要改革开放以来，我国中小企业得到迅猛发展，已经成为国民经济的重要组成部分，是我国经济实现有效增长的主要推动力量，中小企业在满足人们个性化和多样化需求、进行科技创新、实现社会化专业协作、培养企业家、保持社会稳定和促进国民经济发展...
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西北地区中小企业的融资问题研究
11500字
自己的原创毕业论文，仅在本站独家提交，大家放心使用
摘 要
改革开放以来，我国中小企业得到迅猛发展，已经成为国民经济的重要组成部分，是我国经济实现有效增长的主要推动力量，中小企业在满足人们个性化和多样化需求、进行科技创新、实现社会化专业协作、培养企业家、保持社会稳定和促进国民经济发展等方面具有重要的作用。在我国社会主义市场经济的发展当中，中小企业扮演着重要的角色，是推动国民经济发展的重要力量。但是中小企业力量小，资金困难也逐渐的显露了出来。西北地区中小企业是西北经济发展的动力之源，是西北创业创新的主要载体。然而西北中小企业发展缓慢，资金问题是制约中小企业发展的关键，而中小企业在生产经营的过程中出现的融资难、贷款难、担保难的问题都是资金问题的体现，这些是融资难的主要原因，而银行的制度约束、政府缺乏支持及现存的社会环境，这些因素使得中小企业融资更加困难。提升企业素质，改革现有的金融体制，发挥政府的引导作用，培育良好的社会信用环境，是缓解中小企业融资难的主要对策。探索中小企业融资现状和问题，发现融资难的根源并找到解决问题的对策具有一定的现实意义。
关键词：西北地区 中小企业 融资问题
ABSTRACT
Since the reform and opening, our country small and medium-sized enterprises get rapid development, has become an important part of national economy, is the main driving force to realize effective economic growth in China, small and medium-sized enterprises in meet the demand of individuation and diversification, scientific and technological innovation and realize the socialization of the professional collaboration, training the entrepreneur, maintaining the social stability and promote national economic development plays an important role. In our country, the development of socialist market economy, small and medium-sized enterprises (smes) play an important role, it is an important force to promote the development of national economy. But small and medium-sized enterprises small, financial difficulties are gradually exposed. The northwest region of small and medium-sized enterprise is the source of power in the development of the northwest economy, is the main carrier of northwest entrepreneurial innovation. Northwest of small and medium-sized enterprise development is slow, however, money is the key to restricting development of small and medium-sized enterprises, and small and medium-sized enterprises (smes) in the process of production and operation, the difficulty of financing, loan, guarantee is the embodiment of the funding problems, these are the main reasons of financing difficulties, but the bank's institutional constraints, the lack of government support and the existing social conditions, these factors make it harder for the small and medium-sized enterprise financing. Improve enterprise quality, reform the existing financial system, give play to the role of the government's guidance, foster a good social credit environment, is the main countermeasures to ease the financing difficulties of small and medium-sized enterprises. Explore the small and medium-sized enterprise financing present situation and problems, find the root of the financing difficulties and find the countermeasures to solve the problem has certain practical significance.
Key words: The northwest region smes Financing problems
目 录
前言 1
1 中小企业融资概述 2
1.1 中小企业的界定 2
1.2 我国西北地区中小企业的特点 2
1.3 中小企业融资概述 2
1.3.1 中小企业融资渠道和方式 3
1.3.2 中小企业融资结构特点 3
2 我国西北地区中小企业的融资现状分析 3
2.1 融资成本偏高 3
2.2 融资渠道狭窄 3
2.3 内源融资占比重高，但规模小 4
2.4直接融资渠道不畅 5
2.5间接融资难 5
2.6 企业自身积累不足 6
2.7 证券融资所占比重有限 6
3 我国西北地区中小企业融资难的成因分析 7
3.1 内部因素 7
3.1.1 管理理念落后 7
3.1.2 企业自身盈利不强 7
3.1.3 员工素质不高 8
3.1.4 抵押资产少，融资担保难 9
3.1.5企业内部控制薄弱 9
3.1.6信用等级偏低 9
3.2外部因素 10
3.2.1缺乏完整的政策体系 10
3.2.2缺乏为中小企业服务的专有商业银行 10
3.2.3缺少必要的金融担保机构 10
4我国西北地区中小企业融资问题的解决措施 10
4.1提高自身融资能力 10
4.1.1 增强中小企业内源融资能力、优化融资结构 10
4.1.2加强内部信用制度和担保体系建设 11
4.1.3提高核心竞争力 11
4.2优化融资外部环境，建立西北多元化融资平台 11
4.2.1 积极发挥政府服务作用，创新民间融资途径 11
4.2.2 中小企业捆绑集群，债券融资的创新之举 12
4.2.3关系型融资，西北中小企业发展的长效融资机制 12
4.2.4“梯形融资模式”，开辟中小企业战略融资 12
4.2.5 “ 中小企业融资超市”，中小企业发展的供血站 12
4.2.6完善金融服务体系 13
结束语 17
参考文献 18
致谢 19
11500字
自己的原创毕业论文，仅在本站独家提交，大家放心使用
摘 要
改革开放以来，我国中小企业得到迅猛发展，已经成为国民经济的重要组成部分，是我国经济实现有效增长的主要推动力量，中小企业在满足人们个性化和多样化需求、进行科技创新、实现社会化专业协作、培养企业家、保持社会稳定和促进国民经济发展等方面具有重要的作用。在我国社会主义市场经济的发展当中，中小企业扮演着重要的角色，是推动国民经济发展的重要力量。但是中小企业力量小，资金困难也逐渐的显露了出来。西北地区中小企业是西北经济发展的动力之源，是西北创业创新的主要载体。然而西北中小企业发展缓慢，资金问题是制约中小企业发展的关键，而中小企业在生产经营的过程中出现的融资难、贷款难、担保难的问题都是资金问题的体现，这些是融资难的主要原因，而银行的制度约束、政府缺乏支持及现存的社会环境，这些因素使得中小企业融资更加困难。提升企业素质，改革现有的金融体制，发挥政府的引导作用，培育良好的社会信用环境，是缓解中小企业融资难的主要对策。探索中小企业融资现状和问题，发现融资难的根源并找到解决问题的对策具有一定的现实意义。
关键词：西北地区 中小企业 融资问题
ABSTRACT
Since the reform and opening, our country small and medium-sized enterprises get rapid development, has become an important part of national economy, is the main driving force to realize effective economic growth in China, small and medium-sized enterprises in meet the demand of individuation and diversification, scientific and technological innovation and realize the socialization of the professional collaboration, training the entrepreneur, maintaining the social stability and promote national economic development plays an important role. In our country, the development of socialist market economy, small and medium-sized enterprises (smes) play an important role, it is an important force to promote the development of national economy. But small and medium-sized enterprises small, financial difficulties are gradually exposed. The northwest region of small and medium-sized enterprise is the source of power in the development of the northwest economy, is the main carrier of northwest entrepreneurial innovation. Northwest of small and medium-sized enterprise development is slow, however, money is the key to restricting development of small and medium-sized enterprises, and small and medium-sized enterprises (smes) in the process of production and operation, the difficulty of financing, loan, guarantee is the embodiment of the funding problems, these are the main reasons of financing difficulties, but the bank's institutional constraints, the lack of government support and the existing social conditions, these factors make it harder for the small and medium-sized enterprise financing. Improve enterprise quality, reform the existing financial system, give play to the role of the government's guidance, foster a good social credit environment, is the main countermeasures to ease the financing difficulties of small and medium-sized enterprises. Explore the small and medium-sized enterprise financing present situation and problems, find the root of the financing difficulties and find the countermeasures to solve the problem has certain practical significance.
Key words: The northwest region smes Financing problems
目 录
前言 1
1 中小企业融资概述 2
1.1 中小企业的界定 2
1.2 我国西北地区中小企业的特点 2
1.3 中小企业融资概述 2
1.3.1 中小企业融资渠道和方式 3
1.3.2 中小企业融资结构特点 3
2 我国西北地区中小企业的融资现状分析 3
2.1 融资成本偏高 3
2.2 融资渠道狭窄 3
2.3 内源融资占比重高，但规模小 4
2.4直接融资渠道不畅 5
2.5间接融资难 5
2.6 企业自身积累不足 6
2.7 证券融资所占比重有限 6
3 我国西北地区中小企业融资难的成因分析 7
3.1 内部因素 7
3.1.1 管理理念落后 7
3.1.2 企业自身盈利不强 7
3.1.3 员工素质不高 8
3.1.4 抵押资产少，融资担保难 9
3.1.5企业内部控制薄弱 9
3.1.6信用等级偏低 9
3.2外部因素 10
3.2.1缺乏完整的政策体系 10
3.2.2缺乏为中小企业服务的专有商业银行 10
3.2.3缺少必要的金融担保机构 10
4我国西北地区中小企业融资问题的解决措施 10
4.1提高自身融资能力 10
4.1.1 增强中小企业内源融资能力、优化融资结构 10
4.1.2加强内部信用制度和担保体系建设 11
4.1.3提高核心竞争力 11
4.2优化融资外部环境，建立西北多元化融资平台 11
4.2.1 积极发挥政府服务作用，创新民间融资途径 11
4.2.2 中小企业捆绑集群，债券融资的创新之举 12
4.2.3关系型融资，西北中小企业发展的长效融资机制 12
4.2.4“梯形融资模式”，开辟中小企业战略融资 12
4.2.5 “ 中小企业融资超市”，中小企业发展的供血站 12
4.2.6完善金融服务体系 13
结束语 17
参考文献 18
致谢 19
