论文定稿修改付荣军

浅析我国中小企业融资难问题及对策

摘 要

改革开放以来，我国中小企业迅速崛起发展壮大。从中小企业为社会所做的贡献来

看，中小企业占全国企业总数的99%，创造GDP增长占60%以上，出口创汇占60%以上，

税收超过50%，提供的就业岗位达80%以上，在确保国民经济稳定增长、增加税收、缓

解就业压力、优化经济结构、扩大出口和转移农村剩余劳动力等方面的作用越来越重要。

但是自全球经济危机爆发以来，我国的中小企业便遭到了前所未有的冲击，中小企业的生存与发展面临着严峻的挑战，融资难问题已经成为严重制约着中小企业发展的瓶颈。

解决了融资难的问题，也就解决了中小企业的生存与发展难题。

首先，本文阐述了我国现阶段中小企业融资的现状。

其次，对我国中小企业融资难的状况进行客观分析。 最后，根据对解决中小企业融资难的问题的分析提出自己对于解决这一问题的对

策。

关键词：中小企业，融资难，对策

Analyses of the small and medium-sized enterprise financing

difficulties and countermeasures

Author：Fu Rong Jun

Tutor：Niu Hong Li

Abstract

Since the reform and opening up, China's small and medium-sized enterprise

development and growth rapid rise. From small businesses of contribution for the society to

see, and small and medium-sized enterprises accounted for 99% of the total number of

enterprise, create GDP growth 60% above, export 60%, more than 50% tax, and provide

jobs to above 80%, to ensure the stable growth in the national economy, the tax increase,

relieve employment pressure, optimize economic structure and to expand exports and the

transfer of rural surplus labor, and other aspects of the functions are becoming more and

more important. But since the global financial crisis since the outbreak of the medium and

small enterprises in China begins to unprecedented impact, small and medium-sized

enterprise's survival and development face major challenges, difficulty in financing has

become seriously restrict the small and medium-sized enterprise development bottleneck.

Solve the difficulty of financing problems, also solve the middle and small enterprise's

survival and development problems.

First of all, this paper expounds the present situation of the financing of small and

medium-sized enterprises at present.

Second, the medium and small enterprises in China to financing objective analysis of

the situation.

In the end, based on the financing of small and medium enterprises to solve the difficult

problem of analysis for solving this put forward countermeasures.

Keywords: small and medium-sized enterprise, financing, countermeasures

目 录

一、绪论 .................................................................................................................................. 1

（一）课题研究背景及目的 ............................................................................................... 1

（二）国内外研究理论 ...................................................................................................... 1

（三）课题研究方法 .......................................................................................................... 2

（四）论文构成及主要内容 .............................................................................................. 2

二、我国中小企业融资的现状 .............................................................................................. 3

三、我国中小企业融资难的成因 .......................................................................................... 4

（一）我国中小企业自身存在弊端 ............................................... 错误！未定义书签。

（二）金融体系方面的原因 ............................................................ 错误！未定义书签。

（三）政府方面的原因 ...................................................................................................... 9

四、解决我国中小企业融资难的对策 .................................................................................. 6

（一）改善中小企业融资环境和拓宽中小企业融资渠道 ........... 错误！未定义书签。

（二）完善中小企业有关的金融体系和法律法规 ....................... 错误！未定义书签。

（三）完善宏观调控机制，加大中小企业融资的扶持力度 ....... 错误！未定义书签。

结 论 ................................................................................................................................ 10

致 谢 ................................................................................................................................ 11

参考文献 ................................................................................................................................ 12

一、绪论

（一）课题研究背景及目的

改革开放以来，我国中小企业融资难问题日益突出，而且随着经济的快速发展，这

一问题有日益严重的趋势，如何解决我国中小企业融资难问题已经成为涉及我国未来经

济持续健康发展的一项重要任务。本文从我国中小企业融资难的现状，剖析我国中小企

业融资难问题的成因。并就如何解决我国中小企业融资难问题作进一步的深入研究。

（二）国内外研究理论

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