宿遷市中小企業(yè)融資困境及對策

摘  要：近幾年，宿遷市的中小企業(yè)得到快速發(fā)展，但總體上卻落后于江蘇省其他地區(qū)，當(dāng)前制約著宿遷中小企業(yè)發(fā)展的主要因素就是融資問題。本文將采用理論聯(lián)系實際和案例分析方法，通過對宿遷市中小企業(yè)融資總體現(xiàn)狀和具體公司融資情況進行分析，找出宿遷市中小企業(yè)融資的成功做法及宿遷市融資困境的原因所在，進而尋求解決宿遷市中小企業(yè)融資難的可行對策建議。

全文共分為五個部分:第一部分是緒論部分。主要概述了本文研究背景及意

義，在對國內(nèi)外研究現(xiàn)狀綜述與評價的基礎(chǔ)上，提出本文研究的方法。第二部分為中小企業(yè)融資的基礎(chǔ)理論研究。第三部分為宿遷市中小企業(yè)的融資總體現(xiàn)狀分析，找出宿遷市中小企業(yè)融資存在的問題。第四部分是宿遷市中小企業(yè)融資中融資困境的原因分析。第五部分在前文分析的基礎(chǔ)上，針對宿遷市的實際情況，提出了解決中小企業(yè)融資問題的對策。

最后，對全文的主要研究進行了總結(jié)，并提出了有待進一步研究的問題。

關(guān)鍵詞：宿遷；中小企業(yè)；融資困境；對策

畢業(yè)論文外文摘要

The Financing Difficulties and Countermeasures of SMES in Su’qian

Abstract: In recent years, the SMES in Suqian is developed rapidly , but it is still behind other areas of Jiangsu Province, the current constraints of the Suqian major factor in the development of SMEs financing. This article will use the theory with practice and case analysis, through the financing of SMEs in Suqian companies overall situation and the specific analysis to identify the success of SME financing Suqian Suqian financing practices and the plight of the reason why, then seek a solution of Suqian SME financing viable countermeasures.

 Text is divided into five parts: The first part is the introduction part. This paper mainly outlines the background and significance, in the review and eva luation of research status on the basis of the method proposed by this paper. The second part of the basic theory of SME financing. The third part is the overall Suqian Analysis of financing for SMEs, and for the specific case of a company Suqian find Suqian the successful experience of SME financing and financial problems Suqian. The fourth part is the financing of SME Finance Suqian The causes of difficulties. The fifth part of the previous text, based on the actual situation for Suqian proposed  countermeasures to solve the financing problem of SMEs.

 Finally, there is conclusion of the major research and put forward for further study in the future.

Keywords: Suqian；SMEs；The Difficult Financing Situation；Countermeasure

目    錄

1  緒論………………………………………………………………………………1

1.1 研究背景及意義…………………………………………………………………1

1.2 文獻綜述………………………………………………………………………1

1.3 本文的研究方法…………………………………………………………………2

2中小企業(yè)融資理論綜述……………………………………………………………2

2.1 企業(yè)融資的基本內(nèi)容………………………………………………………2

2.2 MM理論…………………………………………………………………3

2.3 信號傳遞理論…………………………………………………………………3

2.4 信息不對稱理論………………………………………………………………3

2.5 融資順序理論…………………………………………………………………4

3  宿遷市中小企業(yè)發(fā)展和融資現(xiàn)狀………………………………………………4

3.1 宿遷市中小企業(yè)發(fā)展現(xiàn)狀……………………………………………………4

3.2 宿遷市中小企業(yè)融資總體概況………………………………………………6

3.3宿遷市中小企業(yè)融資困境分析…………………………………………………7

4  宿遷市中小企業(yè)融資困境成因分析……………………………………………9

4.1 中小企業(yè)自身素質(zhì)不高…………………………………………………………9

4.2 政府的重視程度不夠…………………………………………………………10

4.3 金融機構(gòu)貸款手續(xù)復(fù)雜、門檻高………………………………………………11

4.4 民間融資不規(guī)范………………………………………………………………13

4.5 融資方式籠統(tǒng)單一……………………………………………………………14

5 解決宿遷市中小企業(yè)融資困境的對策………………………………………14

5.1中小企業(yè)提高自身競爭力，吸引外來投資……………………………………14

5.2 政府加快行政體制改革，提高政策的執(zhí)行效率………………………………15

5.3 加快發(fā)展和改革地方性民間金融構(gòu) …………………………………………16

5.4 規(guī)范發(fā)展民間借貸… …………………………………………………………17

5.5發(fā)展并創(chuàng)新融資方式…………………………………………………………18

結(jié)論 …………………………………………………………………………………21

致謝 …………………………………………………………………………………22
參考文獻……………………………………………………………………………23