本科毕业论文-中小企业信贷筹资困境及对策研究【完稿】_精品.doc

中工 信商 2015-JX16- 本科毕业论文（设计） 中小企业信贷筹资困境及对策研究 系 （部） 会计系 专业班级 财管 学 号 学生姓名 指导教师 提交日期 2015年 月 日 摘 要 中小企业是我国市场经济的重要组成部分，但是因受资金短缺问题影响，制约中小企业发展的问题也日益突出。本文采用综合分析法、归纳总结法、文献考证等方法，结合我国中小型企业筹资方式以及中小企业信贷筹资现状等方面，首先对国内外研究相关文献进行了回顾，其次在信贷筹资的基本理论的基础上对信贷筹资面临的困境进行分析，最后从企业、银行和政府等层面提出政策性建议。认为中小企业在发展方面抗风险能力较弱，财务制度不完善，缺乏有效的资金管理，存在与银行信息不对称等问题导致了商业银行对于企业的信用度和中小企业按时还贷的能力有所怀疑，并因此拒绝向中小企业放贷。最后从企业应提高自身信用素质，完善企业财务制度建设；银行应完善信贷管理、加快金融创新，提供多元化金融服务；政府应加强政策引导，搭建企业信用评估平台，加大补贴力度，鼓励银行向企业贷款等的建议作为参考。 关键词：信贷，筹资困境，中小企业，还贷能力 Research on the Loan Problem and Strategy of SMEs Abstract SMEs are an important part of the market economy, but due to shortage of funds affected, restricting the development of SMEs issues are also increasingly prominent. In this paper, a comprehensive analysis, summarized, literature research methods, combined with financing and the status of SME credit financing of small and medium enterprises, first to study literature at home and abroad were reviewed, followed by the basic theory of credit financing on the basis of credit financing difficulties faced by the analysis, the final policy recommendations from enterprises, banks and government levels. That the development of SMEs in the anti-risk capability is weak, the financial system is imperfect, the lack of effective financial management, information asymmetry exists with banks and other issues led to the commercial bank credit to the ability of enterprises and SMEs on time repayment of doubts and refused to lend to SMEs. Finally enterprises should improve their credit quality, and improve corporate financial system construction; banks should improve credit management, speed up financial innovation, to provide diversified financial services; government should strengthen policy guidance, build corporate credit evaluation platform, increase subsidies to encourage banks Recommendations to business loans as a reference. Keywords：目 录 1 国内外现状分析 1 1.1 研究背景及研究意义 1 1.1.1 研究背景 1 1.1.2 研究意义 1 1.2 文献综述 2 1.2.1 国