本科生毕业论文《我国科技型中小企业融资问题研究》教程.doc

河南财经学院本科生毕业论文 我国科技型中小企业融资问题研究 姓　　名 　　号 专　　业 指导教师 年月日关键词：  Abstract As Chinas state-owned enterprise reform and the deepening of the non-state sectors of the economy booming, technology-based SMEs in the economy played a huge role in an increasingly apparent. However, such an emerging economy in China, in the context of economic restructuring, the financial institutions, mechanisms and policies, credit system and many other aspects of factors, scientific and technological development of small and medium-sized objective and there are many difficult to overcome their own economic, institutional and legal contradictions and problems. In these problems, the problem of financing small and medium-sized science and technology as a universal problem, but also bear the brunt. In this paper, the financing problems of small and medium-sized science and technology studies in order to finance small and medium-sized science and technology can not make the starting point, combined with Chinas actual characteristics of small and medium-sized technology-based, comprehensive and systematic analysis of Chinas scientific and technological problems in financing small and medium-sized, in-depth exploration into financing small and medium-sized scientific and technological reasons. On this basis, the proposed science and technology to solve the difficult problem of financing SMEs. The results of research and analysis of Chinas science and technology to solve the difficult problem of financing small and medium enterprises have an important significance. Key Words: Science and technology; Small and medium-sized; Financing  目　录 引 言 1 一、我国科技型中小企业融资现状 2 (一)企业外部融资能力较弱，融资渠道和方式单一 2 (二)企业资金主要依赖间接融资 2 (三)融资成本高 3 (四)融资结构不合理 3 二、我国科技型中小企业融资现状分析 4 (一)企业自身规模小，信用等级低，财务制度不健全 4 1.企业自身规模小 4 2.企业信用等级低 4 3.企业财务制度不健全 4 (二)缺乏与科技型中小企业相适应的金融机构 5 (三)信用评级体系不健全，抵押担保难 5 1.信用评级体系不健全 5 2.抵押担保难 6 (四)缺乏政府的大力扶持 6 三、解决我国科技型中小企业融资问题的对策建议 7 (一)加强自身建设, 提高企业的信誉度和市场竞争能力 7 (二)加强科技与金融合作 7 (三)完