宁波市成长型中小企业融资问题研究毕业论文.doc

毕业论文 （20_ _届） 宁波市成长型中小企业融资问题研究 摘 要 作为中小企业的一支生力军，成长型中小企业已成为支撑和推动国民经济的重要力量。但成长型中小企业融资难的问题是制约其发展的最大障碍。近年，关于成长型中小企业融资问题的专门研究还比较少。因此，为了提高企业竞争力，探讨成长型中小企业融资问题，具有重要的理论价值和现实意义。 本文采用问卷调查和实际调研的研究方法，选取2010年宁波市成长型中小企业作为研究样本，对其融资问题进行了分析，并提出了相应的建议。结果表明，宁波市成长型中小企业普遍存在外源融资困难的问题，通过探析影响成长型中小企业融资的内在因素、外在因素及信息不对称问题的解决方法，提出了拓宽融资渠道，提高自身融资能力等建议。本文借鉴发达国家和地区的成功经验，提倡构建宁波市成长型中小企业信用担保体系，但要使成长型中小企业充分发挥它的积极影响，还需要各方的共同努力。 关键词：Abstract As part of SMEs, growth of SMEs has become an important force to support and promote national economy. However, the financing issue has become the biggest obstacle to develop growth of SMEs. The specialized research on financing for growth of SMEs is still relatively lack recent years. Therefore, in order to improve the competitiveness of enterprises, the discussion of financing for growth of SMEs has important theoretical and practical significance. The research methods of this paper are survey questionnaire and practical research. This paper selects Ningbo’s growth of SMEs in 2010 as a research sample to analyze the problems of their financing and made recommendations accordingly. The results showed that Ningbo’s growth of SMEs has external financing difficulties generally. Through analyzing the internal factors and external factors of financing problem in growth of SMEs, this paper proposes to broaden the financing channels and improve their financial capability. This paper draws the successful experience of developed countries and regions to construct Ningbo credit guarantee system for growth of SMEs. But for the growth of SMEs to fully play its positive effects, we also need the joint efforts of all parties. Keywords: Growth of SMEs；Finance；Financing channels；Credit目 录 1 成长型中小企业融资的理论基础 1 1.1 成长型中小企业的概念和特点 1 1.2 融资的概念 2 1.3 融资的作用 2 1.4 成长型中小企业融资的特征 2 2 宁波成长型中小企业融资现状 4 2.1 样本选取和实地调研方法 4 2.2 企业融资现状 4 3 宁波成长型中小企业融资中存在的问题 6 3.1 企业管理人员素质不高 6 3.2 盲目多元化投资 6 3.3 企业内部管理制度及财务制度不健全 7 3.4 信用担保体系不完善 8 3.5 企业融资渠道狭窄 9 4 宁波成长型中小企业融资问题的解决对策 10 4.1 提升企业内源融资能力 10 4.2 建立企业核心竞