浅析我国中小企业存在的筹资问题及对策.doc

目 录 摘 要 I Abstract II 第一章 中小企业筹资概述 1 1.1中小企业概述 1 1.2中小企业筹资概述 2 第二章 我国中小企业筹资现状分析 5 2.1我国中小企业筹资现状 5 2.2对中小企业筹资难原因分析 6 第三章 我国中小企业筹资问题 7 3.1以河南豫园食品有限公司为例 7 3.2中小企业筹资存在问题分析 11 第四章 解决中小企业筹资问题的对策 14 4.1优化中小企业内部筹资环境的对策 14 4.2改善中小企业金融服务，加强中小企业信贷支持 15 4.3充分发挥政府在中小企业中的作用 15 4.4 根据实际情况选择适合的银行借款 16 4.5借鉴国外相关筹资经验 17 结 论 18 参考文献（References） 19 致 谢 20 浅析我国中小企业存在的筹资问题及对策 摘 要 中小企业作为区域经济结构中的重要组成部分,在区域经济振兴中起着决定性作用。然而中小企业在获得发展所需资金的来源上却很难与其在国民经济中所处的重要地位相匹配。筹资难已经成为我国中小企业发展的“瓶颈”，严重影响了河南省中小企业的发展和河南地区经济的振兴。如何在现有的筹资机制下获得发展的资金，增强企业的核心竞争力，是许多中小企业关注和不断努力的重点方向。因此，长期以来中小企业筹资难现象在全国普遍存在，并且是一直困扰其发展的重要因素。解决中小企业筹资难的问题迫在眉睫。 本文的主要内容有四个部分：第一部分对中小企业筹资概述；第二部分探讨我国中小企业的筹资现状和形成筹资难原因；第三部分我国中小企业存在的筹资问题；第四部分解决我国中小企业筹资问题对策。 关键字：中小企业；筹资问题；对策 The Study on Countermeasures of Financing of the SMEs Enterprises in China Abstract SMEs in regional economic structure as an important component of economic revitalization in the region plays a decisive role. However, the development of SMEs in obtaining required funding sources is difficult in the national economy and its important position to match. Financing difficulties of SMEs has become a bottleneck has seriously affected the development of small and medium enterprises in Henan Province and Henan regional economic revitalization. How the funding mechanism in the existing access to development capital, enhance the core competitiveness of enterprises, many small and medium enterprises continue to focus attention and direction. Thus, it is difficult for SME financing widespread phenomenon in the country, has been plagued its development and is an important factor. Solve the difficult problem of SME financing is imminent. The main content of this article has four parts: Part I Overview of SME financing; the second part of the status and financing of SMEs in China is difficult because the formation of financing; the third part of the existing financing of SMEs in China; fourth part of the solution of small and medium Corporate financing measures. Ke