企业融资难以青岛市为例.docVIP

摘要 无论是在发达国家还是发展中国家，中小企业在经济社会发展中的地位和作用都不可替代。市场经济中， 任何产业的成长和发展都要依靠金融业的支持， 中小企业也不例外，解决中小企业融资难题，是经济金融理论界探索的永恒课题， 也是社会各界关注的热点问题。2008年底，美国次级贷款危机引发的全球金融海啸对我国经济造成了一定的负面影响，尤其是使一些以出口为主的中小企业陷入了资金断裂、面临倒闭的困境。将中小企业的融资难问题突出化，成为我们必须要解决的问题。本文从中小企业的概念出发，指出了中小企业在国民经济中的重要地位以及中小企业的融资现状，在分析了中小企业融资难原因的基础上，提出缓解中小企业融资难的应对策略。 关键词:企业；融资；金融系统；政府；青岛市； Abstract Regardless in developed country or developing country, the status and the function of small and medium-sized enterprise in the developments of economic society may not be substituted. In the market economy, the growth and development in various trades and occupations must depend upon the financial industry, including the small and medium-sized enterprise. Solving financial difficulty of the small and medium-sized enterprise is always a hot topic. The global finance tsunami at the end of 2008 resulted in the American secondary loan crisis has had some negative influence on our country economy. Particularly, some export enterprises faced the difficult position that they would go out of business. Financial difficulty of small and medium-sized enterprise question became an important question which we must solve. This article embarking from the concept of small and medium-sized enterprise, has pointed out their important position in national economy as well as their difficult present financing situation. Finally, at the basic of the analyses about reasons in finance, it will propose several strategies that can alleviate the financial difficulty of the small and medium-sized enterprise. Keyword：All and medium-sized enterprise； Finance ； Financial system ；Government 目录 前言 4 1、企业的定义和我国中小企业的特点及其在国民经济中的重要地位 6 1.1中小企业的定义 6 1.2中小企业的特点 6 1.2.1市场灵敏度高 6 1.2.2人事管理机制灵活 7 1.2.3发挥比较优势进行专业化生产 7 1.3中小企业在国民经济中的重要地位 7 1.3.1激活市场竞争、增进效率，促进经济增长 7 1.3.2创造就业机会，缓解经济周期冲击 8 1.3.3增加农民收入，转移农村富余劳动力 8 1.3.4提升自主创新能力，促进经济增长方式的转变 8 2、我国中小企业的融资现状 9 2.1我国中小企业的内源融资能力有限，自有资金不足导致的融资难 9 2.2我国中小企业的融资渠道过于狭窄导致的融资难 9 2.3我国中小企业普遍缺乏长期稳定的资金来源导致的融资难 10 3、我国中小企业融资难的原因分析 11 3.1内部因素 11 3.1.