中小企业融资问题研究

中小企业融资问题研究(论文12000字)
摘    要
随着市场经济的发展，中小企业在我国经济中的地位越来越重要。我国国内的市场经济也发生了巨大的变化,然后就是巨大的市场压力。而在这巨大的市场压力之下,竞争能力最为薄弱的就是市场中的中小企业。而作为经济市场的主体,中小企业发展面临的最大困难就是无法得到充足的资金保障和资金来源。因此,对于中小企业融资问题的研究,是关乎中小企业发展的一项重大课题,同时也对我国经济市场的健康发展有着重大的意义。在充满竞争与活力的社会主义市场经济条件下,中小企业平稳持续的发展,不断地积累社会经验与财富,随着具有顽强生命力的这类企业的持续发展,使得我国的经济市场更加丰富,而且这些中小企业也创造了许多的就业岗位,促进了技术发展与社会革新。但是,由于经营规模的限制,使得中小企业融资遇到困难。本文以企业融资的相关理论作为理论依据,对我国中小企业融资这一经济问题进行深入研究与分析,并给予了影响我国中小企业融资问题的不利因素。最后,本文对这些形成原因提出了合理的改进型建议,为从根本上优化我国中小企业融资的问题做出一些贡献。 

关键词： 中小企业融资，融资结构，现状，防范，对策

Small and medium-sized enterprise financing problems research
ABSTRACT
With the development of market economy, the status of small and medium-sized enterprises in our country's economy is more and more important. China's domestic market economy and great changes have taken place, and then is the huge market pressure. And in this huge market pressure, competition ability is the most weak is small and medium-sized enterprises in the market. As the main body of market economy, the biggest difficulty is to the development of small and medium-sized enterprises do not have access to sufficient funds safeguard and the source of funds. Therefore, for small and medium-sized enterprise financing problems research, is also a major topic of the development of small and medium-sized enterprises, but also for the healthy development of market economy in our country is of great significance. In a society full of competition and vigor under the condition of socialist market economy, small and medium-sized enterprise steady and sustained development, continuously accumulate social experience and wealth, as a tenacious vitality of the sustainable development of such enterprises, making the economic market of our country more rich, and these small and medium-sized enterprises also creates many jobs, promoted the development of technology and social innovation. However, due to the limitation of scale, makes the small and medium-sized enterprise financing difficulties. Based on the corporate finance related theory as the theoretical basis, to our country small and medium-sized enterprise financing this economic problems for further research and analysis, and gives the adverse factors, which affect the our country small and medium-sized enterprise financing problems. For these reasons in the end, this article puts forward the reasonable improved Suggestions, for optimizing our country small and medium-sized enterprise financing problems fundamentally to make some contribution.

KEYWORDS：Small and medium-sized enterprises financing, financing structure, the status quo, prevention and countermeasure
 
目    录
1 中小企业融资分析    1
1.1 中小企业的划分    1
1.2 中小企业融资的含义    1
2 中小企业融资方式    3
2.1 票据贴现    3
2.2 金融租赁    3
2.3 项目融资    3
2.4 企业内部融资    4
3 中国中小企业融资表现出的现状及问题    5
3.1 我国中小企业融资的现状    5
3.1.1 直接融资成功率低，融资状况不能达到理想标准    5
3.1.2 借贷机构以及金融机构，表现出对中小企业的歧视现象    5
3.1.3 中小企业在进行贷款时，缺乏有效的担保机制体系    6
3.2 我国中小企业融资存在的问题    7
3.2.1 内在问题表现    7
3.2.2 外在问题表现    8
4 融资经营风险的防范与对策    9
4.1 企业方面    9
4.1.1 加强自身素质，提高抗风险能力    9
4.1.2 建立良好的企业信用机制，使企业信用水平得以提高    9
4.1.3 不一味追求市场流行元素，将投资眼光长远化、多元化    9
4.2 金融体系方面    10
4.2.1 完善金融体系，使中小企业在银行融资中占据一席之地    10
4.2.2 加快金融产品多元化开发，创新银行服务模式    10
4.2.3 加大运用货币政策工具引导中小企业发展    11
4.3 政府和社会方面    11
4.3.1 不断创造优良的中小型企业融资环境    11
4.3.2 利用政府采购机制，加大对中小企业的扶持力度    11
4.3.3 以良好税收环境推动中小企业快速发展    12
4.4 市场潮流发展趋势网络环境方面    12
4.4.1 中小企业与时代网络剧发展相结合    12
4.4.2 中小企业投资网络剧    13
4.4.3 以网络剧的发展带动中小企业的融资    14
参考文献    15
后    记    16