中小企业融资问题及对策 毕业论文.doc

中小企业融资问题【摘要】中小企业是国民经济的重要组成部分，在经济发展中起着举足轻重的作用。然而，融资难是制约中小企业发展的1个重要因素，并且成为1个世界性的疑难问题。大力发展中小企业是我国经济发展，尤其是县域经济发展的客观需要，因此必须对中小企业融资问题给予高度重视。 导致中小企业融资困境的原因是多方面的，包括中小企业自身的缺陷，银行业的垄断，中小金融机构发展的滞后，民间金融市场的不完善等等。本文从我国中小企业的融资困境入手，通过实际调查数据反映中小企业的融资特点，分析形成我国中小企业融资现状的原因，再与国际发达国家对此问题的解决方案进行比较与借鉴，参考中小企业融资的经典成功案例，归纳出对我国中小企业融资的几项解决建议。 关键词：中小企业，中小企业融资，融资困境，天使融资，贷款 Research on Financial Distress of Small and Medium-sized Enterprises in China Abstract The small and medium-sized enterprises (SMEs) is a key component of economy. But the difficulty in financing is becoming the crucial factor to restrict their development, and financing for medium-sized and small enterprises becomes a difficult problem all around world. However, it is economic development of our country, especially desirability of land economic development of us to develop small and medium-sized enterprises in a more cost-effective manner, so we must pay great attention to the financing of small and medium-sized enterprises. The important and realistic factors which cause the predicament in financing of SMEs include the defect of SMEs their selves, the monopolistic degree of bank, the lack of the small and medium-sized financial institutions and the private financial market, and so on. This text starts with the financing distress the small and medium-sized enterprises of our country, reflects the financing of small and medium-sized enterprises through the actual census data, compare solution of this problem and draw lessons from with the international developed country, and then consult classic example of small and medium-sized enterprises and several innovations of financing, finally sum up and solve and propose several items of financing of small and medium-sized enterprises in China. Key words: small and medium-sized enterprises (SME) , financing for and small medium-sized enterprises, financial distress, angel financing, loan 目 录 1、序言??????????????????????????????????????????????????1 2、文献回顾????????????????