中小型企业融资困境破解的国外经验借鉴——以亿新科技有限公司为例-马秋玲-讲师.doc

西安培华学院本科毕业论文 2B105723-102618-董丹-中小型企业融资困境破解的国外经验借鉴--以亿新科技有限公司为例-马秋玲-讲师 PAGE \* MERGEFORMAT PAGE \* MERGEFORMAT III 摘 要 伴随我国经济的逐渐增长，中小企业获得了深远的发展，发挥着越来越重要的作用。按照西方经济管理学的依据，企业在融资过程中多数源于内部融资，企业利用自身价值和市场机会，通过科学完善的管理体制改善内部融资。在当今世界，面临金融危机是从中小企业的角度如何解决资金危机的反应？探讨融资困难的成因，提出有效的解决方法，对促进中小企业的发展具有重要的现实意义。因此，本文定义并明确中小企业融资问题的重要性，中小企业的融资现状的描述也对亿新科技盈余融资自我造血由弱而强的现状进行了定量分析，从政府、企业、信用担保体系三个方面论述了引发该企业融资难的原因并提出了相应的解决方案。 关键词：中小企业；融资困境；经验借鉴 Abstract With the growing of Chinas economy, SMEs have made long-term development, is playing an increasingly important role. According to the western economic management basis, enterprises in the financing process of the majority from internal financing, enterprise with its own value and market opportunities, improve the internal financing through scientific and perfect management system. In todays world, is facing the financial crisis from the perspective of small and medium enterprises how to solve the financial crisis? To study the causes of the financing difficulties, puts forward effective solutions, has important practical significance to promote the development of small and medium enterprises. Therefore, this paper defines the importance and clear the financing problem of SMEs, financing situation of small and medium-sized enterprises described also on billion new technology earnings financing self hematopoietic from weak to strong status of the quantitative analysis, from three aspects of enterprises, government, credit guarantee system for the cause of financing difficulty of the enterprise and the corresponding countermeasures are put forward. Key words：SMEs；Financing Dilemma；Experience 目 录 TOC \o 1-3 \h \z \u HYPERLINK \l _Toc383981168 摘 要 Ⅰ Abstract Ⅱ 引 言 1 1 相关理论概述 1 1.1 中小企业的界定 1 1.2 中小企业对我国经济发展的重要性 1 1.3 融资的定义 2 2 我国中小企业融资困难的现状 2 2.1 金融组织结构不太合理 2 2.2 中小企业融资担保体系不完善 3 2.2.1 加大政府对担保机构的投入 3 2.2.2 完善多方面的信用担保体系 3 2.3 中小企业自身素质不高，信用等级低 3 3 亿新科技有限公司融资现状的成因分析 4 3.1 亿新科技的融资现状 4 3.1.1 财务现状 4 3.1.2 发展现状 5 3.1.3 股东权益现状 5 3.