我国中小企业融资难困境及对策研究-学士学位论文.doc

摘要 中小企业在我国国民经济和社会发展中发挥着越来越重要的作用，因而 也引起了全社会重视中小企业的发展。然而，在发展过程中越来越多中小企业对资金的需求得不到满足，融资难问题已经成为制约我国中小企业发展的最大障碍。如何缓解当前我国中小企业发展过程中的融资问题就成了一个重要的课题，具有十分重要的理论和现实意义。 本文通过总结归纳中小企业融资特点、分析其面临的困境，探究其形成的原 因提出缓解的有效途经和对策。主要如下简要介绍了国外研究中小企业融资的相关文献对中小企业融资难做了理论解释并了。结合中小企业融资方式和融资特征我国中小企业融资并比较了典型国家中小企业金融制度,并总结了国际经验和对我国的启示。Small and Medium sized Enterprise (SME) is playing a more and more important role in the economic and social development in China, and it has become the great issue and withdrawn attention of the whole society. However, the SME find it difficult in financing, and it has become the greatest obstacle against further development. Therefore, there existing theoretical and practical value in discussing the difficulties, searching for the causes and probing the effective ways to solve the financing plight of SME. Seeing about the status of Chinese Small and Medium Sized Enterprises, this paper makes analysis of the current situation, points the financing plight, and proposes the effective ways to solve the problem. Contents and conclusions are as follows: 1. Simply reviewing certain related literature both in and abroad China, give the theoretic translation of the SME financing plight. And describe the features and characters of SME financing. 2. Based on the financing characters and styles of SME, the paper analyzes the present conditions of Chinese SME financing. In addition, it searches for the cause and origin of the problem. 3. Introduce and comment on some successful SME financing system. The paper chooses America and Japan as target and analyzes their systems’ structures and characteristics. Comparing with these systems abroad, the paper finds out some advices for Chinese financing system. 4. Based on the comprehensive analyses, the paper proposes some measures and actions for practice. The paper proves the causes of the plight which from both internal elements and external elements. As for the internal elements, due to the small scale, low management level, short of t