盘山县中小企业融资困境分析

发布时间：2019-02-28 16:07

【摘要】：中小企业是中国经济发展的重要推动力，在促进经济增长、增加就业、维持市场竞争、保持社会稳定、提供财政收入等方面发挥着越来越重要的作用。确保中小企业持续、健康、稳定发展对整个国民经济的发展有重大的意义。但是由于中小企业自身条件和其外部环境的影响，融资难的问题一直制约着中小企业的发展。近年来，辽宁省盘山县一直在实施“工业强县”的发展战略，而中小企业的发展是盘山县实施发展战略中必不可少的部分。和全国大多数中小企业一样，盘山县中小企业也面临着融资难的问题。本文通过分析盘山县中小企业融资难问题的原因，有针对性地提出了解决对策，，旨在促进盘山县经济的持续发展，具有较强的现实意义。本文采用文献分析和实地调研相结合的方法对盘山县中小企业融资困境进行研究。首先阐释了国内外关于中小企业的概念、我国中小企业的特点和中小企业融资的相关理论。其次，全面、系统地分析了盘山县的经济状况和中小企业的发展现状，指出了盘山县中小企业融资面临内源融资有限、外援融资困难的局面。再次，从金融机构、政府和中小企业自身三个方面剖析了中小企业融资难的原因，包括金融机构服务的限制、政府支持力度小和中小企业自身条件不足。最后，在上述分析的基础上，有针对性地提出了解决盘山县中小企业融资困境的对策建议：政府应该继续完善对向中小企业发放贷款的金融机构和对中小企业融资的政策支持；金融机构应该发展内部独立评价机构和建立中小企业信用制度，改善中小企业的融资环境；中小企业应该通过加强内部治理和规范企业财务制度等措施提升自身条件。
[Abstract]:Small and medium-sized enterprises play an increasingly important role in promoting economic growth, increasing employment, maintaining market competition, maintaining social stability and providing financial revenue. To ensure the sustained, healthy and stable development of small and medium-sized enterprises is of great significance to the development of the whole national economy. However, due to the conditions of the small and medium-sized enterprises and the influence of their external environment, the problem of financing difficulty has been restricting the development of small and medium-sized enterprises. In recent years, Panshan County of Liaoning Province has been implementing the development strategy of "industrial strong county", and the development of small and medium-sized enterprises is an essential part in the development strategy of Panshan County As in most small and medium-sized enterprises in the country, small and medium-sized enterprises in Panshan County are also facing the difficulty of financing In this paper, through the analysis of the causes of the financing difficulties of the small and medium-sized enterprises in Panshan County, the paper puts forward some countermeasures, which are aimed at promoting the sustainable development of the economy in Panshan County, and has a strong realistic meaning. The paper uses the combination of the literature analysis and the field investigation to the financing dilemma of the small and medium-sized enterprises in Panshan County. The paper first explains the concept of small and medium-sized enterprises at home and abroad, the characteristics of small and medium-sized enterprises in China and the phase of the financing of small and medium-sized enterprises Secondly, the paper analyzes the economic situation of Panshan County and the development of small and medium-sized enterprises in a comprehensive and systematic way, and points out that the financing of small and medium-sized enterprises in Panshan County is limited, the financing of foreign aid is difficult, The paper analyzes the causes of the financing of small and medium-sized enterprises from three aspects of financial institutions, government and small and medium-sized enterprises, including the limitation of the service of financial institutions, the small government support and the small and medium-sized enterprises. Finally, on the basis of the above analysis, it is suggested that the government should continue to improve the financial institutions for granting loans to small and medium-sized enterprises and the government to finance small and medium-sized enterprises The financial institutions should develop internal independent evaluation institutions and establish the credit system of small and medium-sized enterprises and improve the financing environment of small and medium-sized enterprises; and the small and medium-sized enterprises should be promoted from the measures such as strengthening internal governance and regulating the financial system of enterprises.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F275;F276.3;F832.4

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