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1、浙江工業(yè)大學(xué)成教學(xué)院畢業(yè)論文題目：我國中小企業(yè)融資難的原因及對(duì)策的探討作者：學(xué)號(hào)：學(xué)院(系)：專業(yè)：指導(dǎo)者：(姓名)(專業(yè)技術(shù)職務(wù))評(píng)閱者：(姓名)(專業(yè)技術(shù)職務(wù))2013年4月6日29我國中小企業(yè)融資難的原因及對(duì)策的探討姓名：班級(jí)：指導(dǎo)教師：【摘要】長(zhǎng)期以來,中小企業(yè)的發(fā)展在我國國民經(jīng)濟(jì)建設(shè)中發(fā)揮了重要的作用,但是它的發(fā)展卻受著資金的制約，解決中小企業(yè)融資難的問題已經(jīng)迫在眉睫。因此要對(duì)我國中小企業(yè)融資中存在的問題及其成因進(jìn)行剖析并制定出相應(yīng)的措施。本文對(duì)中小企業(yè)融資現(xiàn)狀和融資困難的原因，分別從國家宏觀政策、金融體系、企業(yè)自身素質(zhì)三個(gè)方面進(jìn)行分
2、析,得出我國中小企業(yè)的社會(huì)金融體系不夠完善、信用擔(dān)保不成熟、中小企業(yè)信息不對(duì)稱、自身體制不健全、信用度低等都是造成中小企業(yè)融資困難的主要因素。并在借鑒國外經(jīng)驗(yàn)的基礎(chǔ)上，結(jié)合我國國情，提出要從中小企業(yè)自身抓起，切實(shí)提高企業(yè)總體素質(zhì)，同時(shí)加速建立多層次、全方位、完善的中小企業(yè)融資支持體系和健全的經(jīng)營機(jī)制，改善中小企業(yè)融資的宏觀政策環(huán)境，才能保障中小企業(yè)健康快速的發(fā)展，促進(jìn)我國國民經(jīng)濟(jì)的發(fā)展?！娟P(guān)鍵詞】:中小企業(yè)；融資；存在問題；對(duì)策【Abstract】:For?a?long?time,?small-medium?sized?enterprises?
3、have?played?important?roles?in?development?of?national?economy?construction.?However,?there?are?many?factors?restraining?development?of?small-medium?sized?enterprises?in?China,?specially?financing?bottle-neck.??It?is?necessary?to?settle?29to?solve?the?financing?problem.??Fir
4、st,?we?should?analyze?the?financing?problems?of?small-medium?sized?enterprises?and?make?corresponding?steps.??This?paper?mainly?analyze?the?presenting?conditions?and?the?causes?of?financing?plight?from?the?following?three?aspects:??National?macro-policy、Financial?system、qual
5、ity?of?the?enterprises?itself,?then?we?come?to?the?conclusion.??They?are?the?principal?factors?which?make?the?small-medium?sized?enterprises?hard?to?finance,?such?as?the?imperfection?social?financing?system、immaturity?of?credit?warranty、asymmetric?information?of?the?enterpri
6、ses、unsound?system?of?enterprises?themselves、the?low?credits?and?so?on.??On?the?bases?of?benefiting?from?foreign?experiences?and?fundamental?realities?of?our?country,?we?will?get?down?to?improve?the?quality?of?their?own.??At?the?same?time,?we?also?accelerate?to?build?multi-l
7、evels,?all-?dimensional,?perfect?supportive?financing?system?and?improve?the?macro-policy?environment.??In?this?case,?we?can?ensure?the?quick?and?healthy?development?of?small-medium?sized?enterprises?and?even?our?whole?national?economy.?【KeyWords】:SMEs(SmallandMedium-sizedEn
8、terprises);Financing;Existingproblems;Suggestion.29目錄0摘要-2-1緒論-4-1.1論文選題背景和
