中小企業(yè)融資方式與融資對(duì)策研究
Research andCountermeasures of financeof small and medium-sized enterprise financing

15700字

摘要 ： 改革開放以來，隨著經(jīng)濟(jì)的高速發(fā)展，中小企業(yè)對(duì)經(jīng)濟(jì)的促進(jìn)作用逐漸受到重視。中小企業(yè)是我國(guó)市場(chǎng)經(jīng)濟(jì)中最具活力和生命力的民營(yíng)企業(yè)，然而中小企業(yè)的發(fā)展現(xiàn)狀卻不是很理想，尤其是在經(jīng)歷了全球性的經(jīng)濟(jì)危機(jī)后，我國(guó)中小企業(yè)遭受了前所未有的危機(jī)和挑戰(zhàn)。并且中小企業(yè)融資難已成為一個(gè)世界性難題，所以它已成為中小企業(yè)持續(xù)健康生存和發(fā)展的制約因素。研究我國(guó)中小企業(yè)的融資方式有助于我們?nèi)?、深刻地認(rèn)識(shí)中小企業(yè)融資方式選擇行為及其規(guī)律,更好地解決中小企業(yè)融資困難的問題，解決這一問題對(duì)促進(jìn)中小企業(yè)的發(fā)展乃至整個(gè)經(jīng)濟(jì)發(fā)展有重大意義。
本文一共分為四個(gè)章節(jié)，第一章介紹了中小企業(yè)，融資以及融資方式的相關(guān)概述，讓我們了解中小企業(yè)的內(nèi)容特點(diǎn)，重點(diǎn)介紹了融資方式的分類、比較及融資方式選擇的實(shí)質(zhì)與原則。第二章陳述了我國(guó)中小企業(yè)融資現(xiàn)狀與融資難的成因，分為內(nèi)部與外部?jī)蓚€(gè)方面。第三章是案例分析，以四川漢唐集團(tuán)實(shí)業(yè)有限公司為例，對(duì)漢唐集團(tuán)融資難的原因進(jìn)行分析。本文的第四章提出解決中小企業(yè)融資難的對(duì)策，分為三方面：一是強(qiáng)化自身素質(zhì)建設(shè)，全面提升融資能力、二是加大銀行等金融機(jī)構(gòu)的改革力度，優(yōu)化金融服務(wù)、三是發(fā)揮政府扶持和引導(dǎo)作用。
本文的本文立足于中小企業(yè)的融資方式，首先是對(duì)各種融資方式進(jìn)行歸納總結(jié)得出各自的優(yōu)缺點(diǎn)，在此基礎(chǔ)上又對(duì)幾種融資方式進(jìn)行分析比較，進(jìn)而提出中小企業(yè)選擇的融資方式的原則。針對(duì)融資現(xiàn)狀，提出解決中小企業(yè)融資難問題的一些政策措施。
關(guān)鍵詞 ：中小企業(yè) 融資方式 現(xiàn)狀 融資對(duì)策


Research andCountermeasures of financeof small and medium-sized enterprise financing
Abstract ：Since China's reform and opening up, with the rapid development of economy, small and medium enterprises to economic role in promoting gradually be taken seriously. Small and medium-sized enterprise is our country market economy the most dynamic and vitality of private enterprises, small and medium-sized enterprise development present situation, however, is not very ideal, especially after the global economic crisis, our country small and medium-sized enterprises suffered unprecedented crisis and challenge.And small and medium-sized enterprise financing difficulties has become a worldwide problem, so it has become a sustained and healthy survival and development of small and medium-sized enterprises (smes) constraints.Research of our country's small and medium-sized enterprises financing way can help us to understand comprehensive, the small and medium-sized enterprise financing way choice behavior and its regularity, better solve the problem of small and medium-sized enterprise financing difficulties, to solve this problem to promote the development of small and medium-sized enterprises and the whole economic development has great significance.
This article is divided into four chapters altogether, the first chapter the small and medium-sized enterprises, financing and financing of related overview, let us understand the content of the characteristics of small and medium-sized enterprises, mainly introduced the financing way of classification, comparison and selection of the financing way of substance and principle. The second chapter introduced our country small and medium-sized enterprise financing present situation and the causes of financing difficulties, can be divided into internal and external two aspects. The third chapter is a case study, in sichuan han group industrial co., LTD., for example, the han and tang dynasties group, this paper analyzes the causes of financing difficulties. The fourth chapter of this article put forward to solve the problem of small and medium-sized enterprise financing difficulties, divided into three aspects: one is to strengthen the construction of their own quality, improve financing ability, 2 it is we will intensify reform of Banks and other financial institutions, optimization of financial services, 3 it is to play a role of the government support and guidance.
Based on small and medium-sized enterprise financing way, the first is the paper summarizes various financing way to draw their own advantages and disadvantages, on this basis and to analysis and comparison of several kinds of financing ways and then put forward the principle of financing of small and medium-sized enterprises to choose.According to current situation of financing, and puts forward some policies and measures to solve the problem of financing difficulties of small and medium-sized enterprises.
Keywords :Small and medium sized enterprises Financial pattern Present situation financing measures


目錄
引 言 1
第一章 中小企業(yè)及融資概述 2
1.1中小企業(yè)概述 2
1.1.1 中小企業(yè)的概念 2
1.1.2 中小企業(yè)的特點(diǎn) 2
1.1.3 中小企業(yè)的作用 3
1.2 中小企業(yè)融資概述 4
1.2.1 中小企業(yè)融資的概念 4
1.2.2 融資結(jié)構(gòu)和資本結(jié)構(gòu) 4
1.3 中小企業(yè)融資方式 4
1.3.1 中小企業(yè)融資方式的概念 4
1.3.2 中小企業(yè)融資方式的種類與比較 5
1.3.3 中小企業(yè)融資方式的選擇 7
第二章 我國(guó)中小企業(yè)融資現(xiàn)狀與造成融資難的主要成因 10
2.1 中小企業(yè)融資現(xiàn)狀 10
2.1.1 融資渠道狹窄，融..