毕业设计（论文）
我国中小企业融资存在的问题及对策研究
完成日期年月日
我国中小企业融资存在的问题及对策研究
摘要
随着我国经济的发展，中小企业在国民经济中的地位越来越重要，中小企业在经济活动在促进经济增长和扩大就业等方面发挥了极为重要的作用随着我国经济的迅速发展，，成为我国国民经济发展中不可或缺的一个重要组成部分。但是中小企业由于规模小、抗风险能力低、信用度低、融资结构单一等先天劣势，使中小企业在发展过程中遇到各种各样的困难，融资问题就是中小企业发展过程中的重要问题。党的十八届三中全会指导出，我国正处于经济转型的关键时期，社会面临着巨大的就业压力，大力发展中小企业对缓解我国就业压力有着非常重要的作用。因此，如何解决我国中小企业发展过程中的融资难问题是需要解决的一个重要问题，这对推动我国整个社会经济发展非常必要。
本文通过对中小企业融资的相关概念及理论进行梳理，然后对我国中小企业的融资现状及融资存在的问题进行了分析，结合我国中小企业融资的实际情况，充分分析了影响中小企业融资问题的深入层次原因，最后从企业自身、政府、银行和社会经济环境几个方面提出了解决我国中小企业融资的具体措施，并给出了建议。
关键词：中小企业；融资问题；融资对策；
Research about Chinese SME Financing Problems and Countermeasures
ABSTRACT
As China's economic development, the status of SMEs in the national economy more and more important in terms of economic activities of SMEs in promoting economic growth and expand employment has played an extremely important role in the rapid development of China's economy has become China's national economic development is an important part indispensable. However, due to the small size of SMEs , low anti-risk capability, low credit, financing structure of a single other congenital weaknesses , so that SMEs encounter various difficulties in the development process , the development of SME financing is an important issue. Third Plenary Session of the Party's guidance of eighteen , China is in a critical period of economic transition , community faces huge employment pressure , to develop small and medium enterprises to ease the employment pressure has a very important role in our country . Therefore , the development of SMEs on how to solve the problem of financing in is an important issue to be resolved , which is to promote the economic development of the whole society is necessary .
Based on the SME financing related concepts and theories to sort out, then the status of the financing and financing problems of SMEs in China are analyzed , combined with the actual situation of China SME financing , full -depth analysis of issues affecting SME financing seated reasons , concludes from the enterprises themselves , the government , banks and socio-economic environment of the specific measures to address several aspects of SME financing , and gives recommendations.
Key words：SMEs；Financial Strategies；Financial Problems；
目录
摘要 (2)
ABSTRACT (3)
1 绪论 (1)
1.1研究背景及意义 (1)
1.1.1研究背景 (1)
1.1.2研究意义 (1)
1.2国内外研究现状 (2)
1.2.1国外研究现状 (2)
1.2.2国内研究现状 (2)
1.3研究方法及思路 (3)
1.3.1研究方法 (3)
1.3.2研究思路 (3)
2中小企业及企业融资相关理论 (5)
2.1中小企业概念及划型 (5)
2.1.1中小企业的定义 (5)
2.1.2中小企业的划型标准 (5)
2.2融资的概念及理论 (7)
2.2.1融资的概念及方式 (7)
2.2.2融资的基本理论 (8)
3我国中小企业融资现状、问题及成因 (9)
3.1我国中小企业规模及融资现状 (9)
3.1.1 我国中小企业发展概况 (9)
3.1.2我国中小企业融资现状 (9)
3.2 我国中小企业融资存在的问题 (10)
3.2.1中小企业负债水平相对较高 (10)
3.2.2中小企业信贷活动分化严重 (10)
3.2.3中小企业固定资产贷款不断减少 (11)
3.3我国中小企业融资问题的成因分析 (11)
3.3.1中小企业融资难的内因 (11)
3.3.2中小企业融资难的外因 (11)
4解决中小企业融资问题的对策 (13)
4.1强化中小企业自身的融资能力 (13)
