中小企业融资问题研究谢洋洋

摘 要

中小企业在我国市场里占据着十分重要的位置，中小企业的发展对于推动我国经济的健康发展有着极为重要的意义。然而，有很多的因素制约着中小企业的发展，其中融资问题是一个重要的因素。

 融资问题产生的原因有很多，从中小企业自身来分析，中小企业存在财务不够透明、贷款的管理成本较高、信用等级普遍低下、市场化需要提高等缺陷；其他因素主要是指银行对中小企业支持的力度不够以及银行本身信贷管理制度的缺陷。解决中小企业融资问题的关键，是结合社会的综合力量。想要真正地解决中小企业融资问题必须从不同角度出发，综合银行、政府、金融机构以及中小企业自身的努力，来完成这一浩大的社会工程。从中小企业来看，必须树立好企业形象，改善企业的财务制度和管理制度，树立品牌意识提高市场认知度；从政府来看，要加强中小企业的信用评级，建立信贷支持体系，同时积极鼓励中小企业进行金融创新；从银行等金融机构来看，要重视中小企业的融资业务，建立新的信誉评价和风险按评估标准，同时也要改进贷款管理制度。

 本文拟在对我国中小企业融资调查研究的基础上，针对我国中小企业融资所遇到的困难与障碍，深入探讨解决的思路和方法，希望可以为我国中小企业发展提供一些有益的启示。

关键词：中小企业；融资 ；问题；解决对策；

                         

ABSTRACT 

    Small and medium enterprises in China's market occupies a very important position, the development of small and medium-sized enterprises to promote the healthy development of China's economy has a very important significance. However, there are many factors restricting the development of small and medium-sized enterprises, the financing problem is one of the important factors. 

Financing problems have many reasons, from oneself of medium and small businesses to the analysis of small and medium-sized enterprises, finance is not transparent, loan management cost is higher, credit rating is low, the market need to improve defects; other factors mainly refers to the bank to the small and medium-sized enterprise support strength is insufficient and the bank credit management system defects. To solve the problem of financing problems is the combination of social power. Want to solve the financing problem of small and medium enterprises must set out from different point of view, comprehensive banking, government, financial institutions and small and medium enterprises of their own efforts, to accomplish the great social engineering. From the small and medium-sized enterprise, must establish good company image, improve the enterprise's financial system and management system, establish brand consciousness to increase market awareness; from the government, to strengthen the small and medium-sized enterprise credit rating system, establish credit support, and actively encourage financial innovation; from banks and other financial institutions, pay attention to small and medium-sized enterprises financing business, establish a new reputation evaluation and risk assessment in accordance with standard, but also to improve the loan management system. 

This paper on China's medium and small enterprises financing on the basis of investigation and research, in view of our country small and medium-sized enterprise financing difficulties and obstacles, discuss settlement train of thought and method, the hope for the development of Chinese small and medium-sized enterprises to provide some useful inspiration.

Keywords:  SMEs ;  Financing ;  Problems;  Measures

目录

第1章 绪论..................................................................1

一、中小企业发展的现状 1

二、 国内外研究现状 1

（一） 国内研究现状 1

（二） 国外研究现状 1

三、 本文写作的目的和意义 2

第2章 中小企业融资困难的问题及原因 3

一、中小企业财务不透明 3

二、中小企业贷款的管理成本较高 3

三、中小企业信用等级较低 3

四、银行对中小企业支持力度不够 4

五、中小企业市场化程度需要提高 5

六、 银行信贷风险管理制度存在缺陷 5

第3章 解决中小企业融资困难的措施 7

一、对于中小企业自身而言 7

（一）树立良好形象 7

（二）改善中小企业的管理制度 7

（三）健全中小企业财务制度 8

（四）树立品牌意识，提高市场认知度 8

二、对于各级政府而言 8

（一）制定相应的政策 8

（二）建立信贷支持体系 9

（三）要鼓励企业进行金融创新 9

（四）加强对中小型企业的信用评级 10

三 对银行等金融机构而言 10

（一）重视对中小企业的融资业务 10

（二）建立新的信誉评价和风险评估标准 10

（三）改进贷款管理制度 10

结论 11

致谢 13

参考文献 15