中小企业融资困难的原因及对策教程分析.doc

编号 无锡太湖学院 毕业设计（论文） 题目： 经管 系 会计学 专业 学 号： 0951383 学生姓名： 张锦文 指导教师： 黄文翠（职称：讲师 ） （职称： ） 二〇一四年月 摘 要 中小企业运行中充当着经济增长引擎、以等功能, 在我国国民经济的发展中起着越来越重要的作用，成为 关键词：ABSTRACT With the deepening of Chinas reform and opening up and deepening of the market economy , SMEs in the national economy acts as the engine of economic growth , increase taxes, increase jobs in a series of unique features gradually reflected in the development of our national economy plays an increasingly important role as necessary to ensure the maintenance of social stability . Funds to support SME development is inseparable from banks and other financial institutions in the development process due to reasons, SME financing has seriously hampered the pace of development of SMEs in China is not conducive to the healthy development of Chinas national economy . Therefore, a reasonable and effective solution to the problem of financing SMEs in our country , to ensure the sustained and healthy development of Chinas national economy and the completion of the great rejuvenation of the Chinese nation has important strategic significance. Issue of the status queo of Chinas own characteristics and financing of SMEs to investigate and understand, and thus the causes of SME financing for scientific analysis and discussion, try to propose some solutions to SME financing difficulties Solutions, to develop measures to solve our national financing problems of SEMs to make some constructive suggestions to promote the healthy development of China SEMs and the whole national economy. Keywords: Small and medium enterprises；Financing difficulties；Countermeasures 目 录 1章 绪论 1 1.1 研究背景 1 1.2 研究现状 1 1.3 研究的目的和意义 1 1.4 研究的总体思路 2 第2章 中小企业融资概述 3 2.1 中小企业界定 3 2.2 中小企业的经营特点 3 2.2.1 市场适应性强 3 2.2.2 经营范围广 3 2.2.3 抵御风险能力差、融资能力差 3 2.3 中小企业融资的现状 3 2.3.1 中小企业融资以间接融资为主 3 2.3.2 中小企业融资成本较高 4 2.3.3 金融机构对中小企业贷款严重不足 4 2.3.4 中小企业资金短缺与社会资金总供给的矛盾突出 4 第3章 中小企业融资困难的成因 5 3.1 内部原因