中小企业融资障碍及对策分析毕业论文.doc

毕业论文 （20_ _届） 中小企业融资障碍及对策分析 摘 要 随着我国经济的快速发展，使得中小企业也在全国范围内遍地开花，数量猛增，在国家和区域经济的发展起到了非常重要的作用，已成为我国经济发展的主要支柱，活跃着市场经济，起着保持经济活力的元素。然而，融资难一直都制约中小企业发展壮大的瓶颈，2008年以来世界范围的金融危机，使得中小企业融资局面比以往更加严峻。因此，如何解决融资难的问题成为了中小企业发展的瓶颈。 本文在理论分析的基础上，关键词：Abstract Along with our countrys economy vigorous development,the number of small and medium-sized enterprises is increasing in a high-speed and the total economic output is big.The small and medium-sized enterprises have brought the important role for the country and the region economy,and have become the main prop of our country economy development playing the maintenance economic vitality function. However, financing difficulty isregarded as bottleneck of the growth of SMEs.Since 2008,the worldwide financial crisis makes the financing situation of SMEs harder than ever. Therefore, how to solve the financing problem has become a bottleneck in the development of SMEs. In this paper, Based on theoretical analysis, combined with the financing of SMEs in Zhejiang Yongkang actual situation, analysising Smes financing status, SME financing difficulties to infer their own reasons for reasons, but also the external business reasons. By research, the paper argues that to solve the financing problem of SMEs must start from their own, and improving the quality, through business, banking and all aspects of government efforts to resolve the financing problem of SMEs. Keywords: Small and medium-sized enterprises;Circulating the necessary funds; Financing channels 目 录 1 中小企业融资理论概述 1 1.1 中小企业融资的基本概念 1 1.2 中小企业融资的特点 1 1.3 中小企业的融资渠道 2 1.4 中小企业的融资方式 2 2 中小企业的融资现状分析 4 2.1 中小企业的内部环境 4 2.1.1 融资方式有限 4 2.1.2 企业诚信度不高 5 2.1.3 融资成本高 5 2.2 中小企业的外部环境 6 2.2.1 对中小企业存在歧视 6 2.2.2 缺乏专门为中小企业服务的金融机构 7 2.2.3 银行对中小企业的苛刻 8 3 中小企业融资难的成因 9 3.1 企业自身的原因 9 3.1.1 中小企业资本金少，负债能力有限 9 3.1.2 中小企业信誉度不高 10 3.1.3 中小企业信用担保机制不健全 10 3.2 企业融资难的外部原因 11 3.2.1 缺少金融机构的支持 11 3.2.2 中国的融资体系不健全，政府的政策未能及时跟上 11 3.2.3 银行与企业之间的信息不对称 11 4 解决中小企业融资障碍的对策和建议 13 4.1 提高中小企业自身的素质 13 4.2 加强政府支持力度 14 4.3 发展为中小企业服