四川省郫县中小企业融资法律问题调研报告

发布时间：2018-04-12 17:58

本文选题：中小企业 + 融资　；参考：《西南政法大学》2014年硕士论文

【摘要】：自改革开放以来，我国的中小企业得到了较快的发展，在国民经济中所占的比例日益增大，并在解决就业、创新技术、促进区域经济发展等方面发挥着重要的作用。然而在经过了三十几年的发展后，一系列制约中小企业发展的瓶颈开始出现，比如企业的固定资产不多、企业的管理不够完善以及融资难等问题。尤其在近几年，伴随着很多中小企业因缺少足够的资金而走向破产倒闭，我国的经济发展和社会的安定因此而产生了不利的影响。为了解决中小企业融资难问题，国家和各地区政府相继出台了多项措施，如备受关注的《创业板首次公开发行并上市管理办法》等。但这些政策及措施在实践中是否产生了实际的效用，能否解决小企业的融资问题，仍然是值得我们关注的问题。四川省郫县位于成都市近郊，有着优越的地理位置和便利的交通设施，因此近几年郫县的经济有了飞速发展，其中川菜产业园的建立更是为其经济发展做出了很大的贡献。笔者选取川菜产业园内的中小企业为调研对象，通过实地走访各个企业，采取问卷、访谈等形式，了解企业对融资的需求度、融资难易度以及在融资中出现的问题等。调研报告共分四个部分：第一部分是绪论，包括调研背景的介绍、调研目的和意义以及调研的主要对象和调研方法。第二部分是对郫县川菜产业园中小企业融资法律问题调研结果的总结及分析，主要调研了中小企业的基本情况、融资需求度及融资方式、融资中遇到的法律问题以及中小企业在融资方面的期望。第三部是分析了导致中小企业融资难问题的法律原因，主要从内源性融资和外源性融资两个角度出发，分别分析中小企业所选择的融资方式中存在的问题及其产生的原因，包括关于中小企业融资的法律制度不健全、银行贷款难问题、上市及发行债券难以及民间借贷出现的问题等。第四部分是提出化解中小企业融资难问题的法律对策，，结合第三章分析的问题，给出笔者的建议，主要包括完善中小企业融资方面的法律法规、建立银行信贷体系、完善中小企业的企业制度、放宽上市及发行债券的条件、以及将民间资本注入中小企业等。
[Abstract]:Since the reform and opening up, the small and medium-sized enterprises in our country have been developing rapidly, occupying an increasing proportion in the national economy, and playing an important role in solving the problem of employment, innovating technology, promoting the development of regional economy and so on.However, after more than 30 years of development, a series of constraints on the development of small and medium-sized enterprises began to appear, such as the lack of fixed assets, enterprise management is not perfect and financing difficulties.Especially in recent years, with many small and medium-sized enterprises going to bankruptcy because of lack of sufficient funds, the economic development and social stability of our country have a negative impact.In order to solve the financing problem of small and medium-sized enterprises, the national and regional governments have issued a number of measures, such as the "gem initial public offering and listing management measures", and so on.However, whether these policies and measures have produced the actual utility in practice and whether we can solve the financing problem of small enterprises are still worthy of our attention.Pixian County in Sichuan Province is located in the suburbs of Chengdu, with superior geographical location and convenient transportation facilities. Therefore, the economy of Pixian County has developed rapidly in recent years, and the establishment of Sichuan Cuisine Industrial Park has made great contribution to its economic development.The author selects the small and medium-sized enterprises in Sichuan cuisine industry garden as the research object, through the field visits each enterprise, takes the questionnaire, the interview and so on, understands the enterprise to the financing demand degree, the financing difficulty degree and the question which appears in the financing, and so on.The research report is divided into four parts: the first part is the introduction, including the introduction of the research background, the purpose and significance of the research, the main objects and methods of the research.The second part is the summary and analysis of the legal problems of financing of small and medium-sized enterprises in Pixian Sichuan Cuisine Industrial Park, mainly investigating the basic situation of small and medium-sized enterprises, the degree of financing demand and financing methods.The legal problems encountered in financing and the expectation of SMEs in financing.The third part is to analyze the legal causes of the financing difficulties of SMEs, mainly from the perspective of endogenous financing and exogenous financing, respectively, and analyze the existing problems and the causes of SMEs' choice of financing methods.It includes the imperfect legal system on financing of small and medium-sized enterprises, the difficulty of bank loans, the difficulty of listing and issuing bonds, and the problems of private lending and so on.The fourth part is to put forward the legal countermeasures to solve the financing difficulties of small and medium-sized enterprises, combined with the third chapter of the analysis of the problems, give the author's suggestions, including the improvement of small and medium-sized enterprises financing laws and regulations, the establishment of a bank credit system.Improve the enterprise system of small and medium-sized enterprises, relax the conditions for listing and issuing bonds, and inject private capital into small and medium-sized enterprises.
【学位授予单位】：西南政法大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：D922.28

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