如何解决珠三角地区中小企业资金紧缺问题的探讨 毕业论文.doc

中文摘要 中小企业融资难是一个世界性的难题，造成我国中小企业融资难的问题是多方面的，既有中小企业自身方面的原因，也有金融体系不健全，政策支持不到位等方面的问题。随着世界和中国经济的迅速发展，中小企业已成为经济增长的重要推力，但是中小企业面临的融资问题日渐突出，成为制约其生存与发展的瓶颈。中国珠三角地区作为中国经济发展的前沿阵地，其中中小企业更是珠三角地区的经济主要模式，所以如何解决珠三角地区中小企业的资金紧缺问题是非常值得去探讨的。 本文剖析了珠三角地区中小企业面临的资金紧缺的难题，探讨了中小企业发展中存在的问题，并且根据中小企业内外部的环境找出解决中小企业资金紧缺的方法。 关键词 ：流动资产，管理，中小企业，资金短缺 Abstract The financing difficulty is a worldwide problem caused by small and medium-sized enterprises in China, financing difficult problem is various, both small and medium-sized enterprise own reasons, also have the financial system is not complete, policy support does not reach the designated position, etc. With the world and the rapid development of Chinese economy, small and medium-sized enterprises have become an important thrust of economic growth, but small and medium-sized enterprises are increasingly prominent funding problems, constrains its survival and the development bottleneck. Chinas pearl river delta as the forefront of Chinas economic development, including small and medium-sized enterprise is the pearl river delta region economic main mode, so how to solve the pearl river delta region of capital shortage problem of small and medium-sized enterprises is very worth exploring. This paper analyzes the pearl river delta region of small and medium-sized enterprises face capital shortage, discusses the problems existing in the development of small and medium-sized enterprises, and according to the problem of small and medium-sized enterprises internal and external environment of small and medium-sized enterprises find out solution method of funds shortage. Key Words：Liquid assets，management ，Small and medium-sized enterprise，Fund shortage 引言 中小企业往往是最具活力的部分，它们规模小、经营方式灵活，最有可能按照经济的比较优势来组织生产，而融资难已成为制约中小企业发展的瓶颈因素。由于中小企业经营活动透明度较差、融资渠道单一，大约有98.7%都来自银行贷款。长期以来，金融机构向中小企业提供的贷款占总贷款规模的份额很少，与中小企业对国民经济发展作出的巨大贡献不成比例。近年来，虽然金融机构对民营企业的贷款比例有逐年递增的趋势，但与国有企业的贷款份额相比仍然较低。 1.背景 1.1 当今世界以及中国的经济环境 由美国次贷危机日益深化演变的全球性金融危机，不仅沉重打击了美欧日等发达经济体，