《浅析我国中小企业融资困难及对策》论文.doc

学年论文 浅析内蒙古中小企业融资困难及对策 姓 名: 浩然 学 号: 20121104593 院 系： 经济学院 年 级: 2012级 专 业: 金融学 指导老师：岳富贵 2015年7月1日 【摘要】中小企业在促进市场竞争、增进市场活力、推进技术创新、特别是在提供就业机会等方面具有不可替代的作用，从目前各国的情况看，无论发达国家还是发展中国家，中小企业都是经济发展和社会稳定的重要支柱。因此，各国政府都十分重视中小企业的发展。由于银行高度商业化以及中小企业自身的缺陷，中小企业融资难是世界性课题。比较而言，在西方国家这是一种较为单纯的经济运行中的问题，而我国中小企业不仅会遇到由经济运行本身所带来问题，而且还会遇到经济体制制约因素和缺乏基本金融原则所带来的不利影响，因此，中小企业的融资问题在我国表现得更为复杂。在此背景下，本文希望通过对中小企业融资状况的分析，揭示造成内蒙古中小企业融资难的原因，并提出相关的解决方法。 【关键词】：中小企业, 融资难, 金融体系建设 ABSMATE: in the promotion of market competition, enhancing market dynamism, technological innovation, in particular in terms of providing job opportunities has an irreplaceable role, judging from the current situation of countries, both developed and developing countries, SMEs are important pillars of economic development and social stability. Therefore, Governments have attached great importance to the development of small and medium enterprises. Own defects due to the Banks highly commercialized and SMEs, SME financing is a worldwide issue.In contrast, in Western countries this is the economic problems in the operation of a more simple, and economical operation of Chinese small and medium enterprises encounter not only by itself is a problem, but will also have economic constraints and the lack of basic financial principles of the adverse effects, therefore, behave more complex financing problem of small and medium enterprises in China.In this context, hope this article through the analysis of financing conditions for SMEs, reveals the cause of inno Mongolia small and medium enterprise financing reasons, and to recommend appropriate solutions. KEY WORDS:Small and medium enterprises , financing, the financial system 目录  TOC \o 1-2 \h \z \u  HYPERLINK \l _Toc322678855 第一章 中小企业企业融资概述  PAGEREF _Toc322678855 \h 1  HYPERLINK \l _Toc322678856 第一节 中小企业融资的概念  PAGEREF _Toc322678856 \h 1  HYPERLINK \l _Toc322678857 第二节 中小企业融资背景  PAGEREF _Toc322678857 \h 1  HYPERLINK \l _Toc322678858