中小企业融资问题研究 毕业论文 (2).doc

成都信息工程学院本科毕业论文（论文） 中小企业融资问题研究 单 位：____________四川财经职业学院____________ 专 业：________________会计系__________________ 班 级：____________ 会计 班_______________ 准考证号：______________012510400039______________ 姓 名：________________ _________________ 指导教师：________________ _________________ 2013 年 05 月 摘 要 中小企业是企业规模形式的概念，是相对于同行业的大企业在包括企业的组织形式、融资方式所处行业地位雇员人数、实收资本、资产总值Abstract The small and medium-sized enterprise is the concept of enterprise scale form, is compared with the same industry in large enterprises including corporate forms of organization, financing way, the status of the industry, the number of employees, the paid-in capital, total assets are relatively small economic units. The development of small and medium-sized enterprises with the continuous deepening of reform and opening-up process and gradually highlighted the contribution to economic growth. Especially after the nineteen ninties, small and medium enterprises is increasingly becoming the main force to promote the rapid economic growth in china. In the development of small and medium-sized enterprises at the same time contradictions and difficulties are gradually. The difficult problem of financing of SMEs has become one of the main bottlenecks restricting the development of small and medium-sized enterprises. This paper uses the method of historical analysis and social investigation situation, the financing of small and medium-sized enterprises reasons to make analysis, put forward the suggestions of private investment, to promote economic development. key words: minor enterprises financing channel enterprise operation 目 录 1我国中小企业的融资现状. 6 2.我国中小企业融资难的成因 6 2.1中小企业面临的政策方面的障碍 6 2.1.1行业准入的限制 6 2.1.2政策待遇不公平 6 2.2中小企业普遍不注重信用建设 7 2.3金融整顿销毁了许多中小企业的“民间信用” 7 2.4金融机构的体制障碍 8 2.4.1国有商业银行的体制弊端 8 2.5中小企业直接融资十分困难 8 2.5.1主板证券市场的进入门槛太高 8 2.5.2企业内部融资渠道被关闭 9 2.5.3风险投资基金欠发达 9 2.6我国中小企业经营管理水平普遍不高，企业文化缺位 9 3. 解决我国中小企业融资难的对策 9 3.1建立健全中小企业及其融资的法律保障体系 9 3.2建立支持中小