某區(qū)中小企業(yè)融資問題研究
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摘要
去年以來，在國際金融危機(jī)的沖擊下，某區(qū)中小企業(yè)也不可避免的遭遇生存和發(fā)展大難題。中小企業(yè)的發(fā)展關(guān)系到經(jīng)濟(jì)的增長和社會的穩(wěn)定，也牽動著許多人大代表和政協(xié)委員的心。在今年兩會上，要求加大對中小企業(yè)特別是縣區(qū)中小企業(yè)扶持力度的呼聲從未像今年這樣強(qiáng)烈和迫切。而如何幫助縣區(qū)中小企業(yè)走出困境，兩會代表委員都首要指出解決縣區(qū)中小企業(yè)融資難問題。某區(qū)的中小企業(yè)融資問題一直困擾著當(dāng)?shù)刂行∑髽I(yè)的穩(wěn)定發(fā)展，中小企業(yè)的融資問題迫切需要解決。本文主要分析了某區(qū)中小企業(yè)的現(xiàn)狀及其出現(xiàn)融資難問題的原因，著重闡述了某區(qū)中小企業(yè)融資難問題的幾條有效途徑，包括完善企業(yè)自身建設(shè)，銀行和政府的相應(yīng)支持，提高企業(yè)的信息化，以及發(fā)展蘭山區(qū)的典當(dāng)業(yè)和擔(dān)保業(yè)等。


關(guān)鍵詞：中小企業(yè)融資；內(nèi)部積累；信貸擔(dān)保；信息化



Researching on the Financing of Small and Medium-seized Companies

ABSTRACT
Since last year, in the international financial crisis, the Linyi City Lanshan district SMEs face the inevitable major challenge for survival and development. The relationship between the development of SMEs to economic growth and social stability, but also affects a number of NPC deputies and CPPCC members of the heart. Two sessions this year, the requested increase, especially small and medium-sized small and medium-sized counties, the voice of support for this year has never been a strong and urgent. And how to help small and medium-sized counties out of the woods, on behalf of members of the two primary solutions to small and medium-sized counties, the issue of financing of small and medium-sized Lanshan district Linyi City has been plagued by financing problems of the stable development of local small and medium enterprises, the urgency of the financing problems of small and medium-sized need to be resolved. In this paper, an analysis of Linyi City Lanshan district the status of small and medium enterprises financing difficulties and the emergence of the problem, focused on financing small and medium-sized Lanshan district Linyi several difficult issues an effective way, including the self-construction companies, banks and the Government of the corresponding support and improve the information technology business, as well as the development of Lanshan district pawn broking and security industries.


Keywords：SME Financing; Internal accumulation; Credit Guarantee; Information technology




目錄

一、中小企業(yè)的界定 1
1 中小企業(yè)的概念 1
2 中小企業(yè)的界定標(biāo)準(zhǔn) 1
二、某區(qū)中小企業(yè)融資現(xiàn)狀 1
1 蘭山區(qū)中小企業(yè)融資渠道狹窄 1
2 一些非正規(guī)金融對蘭山區(qū)中小企業(yè)的發(fā)展起到重要作用 1
3 蘭山區(qū)中小企業(yè)發(fā)展快但不穩(wěn)定 2
4 銀行對蘭山區(qū)中小企業(yè)的貸款仍然保守 2
三、蘭山區(qū)中小企業(yè)融資難的原因 2
1 企業(yè)自身的素質(zhì)是融資難的根本原因 2
2 中小企業(yè)難得到銀行貸款的融資支持 3
3 缺乏為中小企業(yè)服務(wù)的金融機(jī)構(gòu) 3
4 中小企業(yè)從民間融資受限制 3
5 缺乏必不可少的信貸擔(dān)保機(jī)構(gòu) 3
6 臨沂中小企業(yè)信息化低 4
四、解決蘭山區(qū)中小企業(yè)融資問題的有效途徑 4
1 完善中小企業(yè)自身建設(shè) 4
2 銀行構(gòu)建中小企業(yè)貸款“綠色通道” 4
3 發(fā)展現(xiàn)代典當(dāng)業(yè) 4
4 發(fā)展某區(qū)的擔(dān)保業(yè) 5
5 加強(qiáng)政府對中小企業(yè)的支持 5
6 加快推進(jìn)中小企業(yè)信息化 6
五、結(jié)論 6
參考文獻(xiàn) 7




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