我国中小企业融资困境与破解对策分析

发布时间：2018-03-27 05:12

本文选题：中小企业　切入点：融资困境　出处：《山东大学》2014年硕士论文

【摘要】：随着经济全球化的不断深入和科技进步的突飞猛进,中小企业越来越成为世界各国最重要的战略资源之一。中小企业对我国经济增长、扩大内需、促进就业、稳定社会、改善民生、缩小收入差距等很多方面都发挥着非常重要的作用,为我国经济快速稳定发展做出了巨大贡献。但是在中国特色社会主义市场经济发展过程中,我国中小企业的发展并不顺利,而是在国家政策制度、经营环境、企业自身素质等多方面都受到严重制约,由此带来了很多问题,特别是融资难已经成为我国中小企业发展过程中面临的最严重的瓶颈之一,尤其是受到2008年国际金融危机的影响,国际经济形势急剧恶化,国内经济增速放缓,越来越多的资金逃离实体经济,中小企业面临越来越严重的资金困难,我国中小企业难以实现持续稳定发展,这已成为许多经济社会矛盾的主要诱因。在这特殊的经济发展时期,谁来输血中小企业、如何输血中小企业就成了一个非常关键的问题。本文在充分分析借鉴国内外理论研究成果和实践方面的一些做法的基础上,分析了我国目前中小企业面临的融资困境,即融资渠道单一和融资成本过高,而造成这些问题的主要原因是各类金融机构出于安全稳健的经营思想对中小企业惜贷、企业自身存在着许多不容忽视的问题和国家相关的政策和制度不完善,针对这些问题,借鉴市场经济国家中小企业成熟的融资实践和经验,结合潍坊市创新金融促进中小企业发展的实证考察,笔者认为应从以下几个方面入手解决我国中小企业融资难的问题：政府应完善相关政策,加大对中小企业融资的支持力度,完善相关法律制度,为中小企业的融资活动提供制度保障,要规范引导民间融资,大力发展地方性金融机构；金融机构应完善机构设置,加快金融创新,积极发展多层次的资本市场,鼓励和引导中小企业直接融资；而对于企业来说,应规范企业管理,提高企业素质,完善企业信用体系建设,提高企业创新能力。
[Abstract]:With the rapid development of economic globalization and the progress of science and technology, more and more SMEs to become one of the most important strategic resources in the world. Small and medium-sized enterprises in China's economic growth, expanding domestic demand, promoting employment, social stability, improving people's livelihood, narrowing the income gap and many other aspects are playing a very important role, made a great contribution as China's rapid and stable economic development.
But in the process of development China socialist market economy, the development of SMEs in China is not smooth, but in the system of state policy, business environment, the quality of the enterprise itself and other aspects are severely constrained, it brings a lot of problems, especially in financing has become one of the most serious bottleneck facing the development process of China's small and medium-sized in the enterprise, especially influenced by the international financial crisis in 2008, the international economic situation deteriorated sharply, the domestic economic slowdown, more and more money out of the real economy, small and medium-sized enterprises are facing increasingly serious financial difficulties, to small and medium-sized enterprises in China to achieve sustained and stable development, which has become a major cause of many economic and social contradictions in this special period of economic development, who blood transfusion of small and medium-sized enterprises, small and medium enterprises how to blood transfusion has become a crucial problem.
Based on the full analysis from some of the practices of domestic and foreign research results and Practice on the analysis of the financing difficulties faced by SMEs in China at present, namely the single channel of financing and financing costs, which is the main cause of these problems of all kinds of financial institutions for the safety and soundness of the business ideas of small and medium-sized enterprises credit crunch enterprise has related policies and systems many problems can not be ignored and the country is not perfect, in order to solve these problems, the practice and experience of small and medium sized enterprises financing from mature market economy countries, an empirical study in Weifang city with financial innovation to promote the development of SMEs, the author believe that the following aspects should be to solve the financing difficulty of small and medium-sized enterprises in China question: the government should improve relevant policies, strengthen financial support for SMEs, improve the relevant legal system for small and medium sized enterprises Provide system guarantee and financing activities, to standardize and guide private financing, develop local financial institutions; financial institutions should improve institutional settings, accelerate financial innovation, and actively develop multi-level capital market, encourage and guide the direct financing of small and medium-sized enterprises; for enterprises, we should standardize enterprise management, improve the quality of enterprises, improve the construction of enterprise the credit system, improve the innovation ability of enterprises.

【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F276.3;F832.4

【参考文献】