中小企业信用问题的治理研究 毕业论文.doc

河南财经政法大学 HENAN UNIVERSITY OF FINANCE AND ECONOMICS （会计专业）本科生论文 论文题目：中小企业信用问题的治理研究 专业名称：会计电算化 工作单位：[xxxxxxxxxxxxxx] 作者姓名：xxx 联系方式：[xxxxxxxxx] 中小企业信用问题的治理研究 摘 要 中小企业已成为我国经济增长中最富成长性和贡献的部分，然而中小企业普遍面临的信用问题却成为制约这些企业融资和发展的重要障碍。针对中小企业的信用问题产生的深层原因和中小企业信用建设现实情况，要从改善中小企业信用制度基础，完善中小企业信用管理体系，和加强中小企业信用管理等方面治理中小企业信用问题。目前我国有些城市在开展中小企业信用体系建设试点工作，并取得了一定的成就，但是由于环境、条件等的约束，和发达国家相比我国中小企业信用体系的建设显得相对滞后，现有信用运行机制还存在诸多不健全之处，满足不了经济发展的需要，而且中小企业信用管理上尚存的信用问题也很多，因而如何进一步有效的构建企业信用管理运行机制，扩大中小企业融资渠道，规范企业信用行为，保证市场交易良性发展，仍然是现阶段解决中小企业信用问题的重要课题。针此种种现状，中小企业应在国家法律政策的指导下并借鉴国外的先进经验做法的前提下解决自身所存在的问题，积极建立起合理规范的企业信用体制，提出中小企业的信用制度的建立完善是破在眉睫值得大家关注和探讨的重要性。The Research of Credit Problems on Small and Medium-sized Enterprises ABSTRACT Small and medium-sized enterprise plays an important role and makes a great contribution to our country’s economy, however the credit system has become the important obstacles for the small and medium-sized enterprises. In view of the credit problems on small and medium-sized enterprises, we must improve the credit management system of small and medium-sized enterprises, at the same time,we should strengthen credit management to solve the credit problem of small and medium enterprises. At present, some cities in our country build pilot job to obtain certain achievement, but compared with the developed countries, small and medium-sized enterprise credit system construction lags behind, the existing credit operation mechanism also has many imperfect places, they can not meet the need of economic development of credit management and the remaining credit problems, so how to further the effective construction of the enterprise credit management is very nessasary now. Famous scientists think that we can do it as follows: to run a mechanism, expand the financing channels of small and medium-sized enterprises, and standardize enterprise credit behavior. To ensure market benign development is still the top problem of small and medium enterprises. To needle the situation, we should learn