本文選題：中小企業(yè) + 融資方式　； 參考：《東北師范大學》2013年碩士論文

【摘要】：自改革開放以來，我國中小企業(yè)無論在發(fā)展程度上還是在國民經(jīng)濟的地位上都有了一定程度的提升。尤其是其在國內(nèi)生產(chǎn)總值和稅收方面的貢獻以及在解決就業(yè)問題中有不可替代性，都為我們展示了中小企業(yè)帶動國內(nèi)經(jīng)濟進一步發(fā)展的主力軍作用。 然而遺憾的是，在經(jīng)過對中小企業(yè)融資情況的分析中發(fā)現(xiàn)，國內(nèi)中小企業(yè)由于融資渠道的阻塞而造成的個體企業(yè)倒閉成為了限制我國中小企業(yè)壯大發(fā)展的首要原因。我國中小企業(yè)融資渠道存在著過度依賴內(nèi)源融資渠道而外源融資渠道嚴重不足、直接和間接融資渠道比例失調(diào)、中小企業(yè)普遍偏好非正規(guī)性融資渠道這三個主要問題。比較而言，美國、德國、韓國等發(fā)達國家卻十分重視中小企業(yè)融資渠道的均衡發(fā)展，并通過立法的手段分階段、分層次地為中小企業(yè)打通各種融資渠道，值得我們借鑒。我們應(yīng)通過鼓勵商業(yè)銀行融資機制的創(chuàng)新、優(yōu)化企業(yè)資產(chǎn)結(jié)構(gòu)增加內(nèi)部融資積累、并由政府出資建立融資平臺為中小企業(yè)尋找信貸來源等為具體措施，即從金融機構(gòu)、企業(yè)主體和政府部門這三個角度來拓寬我國中小企業(yè)的融資渠道，，并為中小企業(yè)的發(fā)展掃清障礙。
[Abstract]:Since the reform and opening up, the small and medium-sized enterprises in China have improved to a certain extent, both in the level of development and in the status of the national economy. Especially its contribution to GDP and tax revenue and its irreplaceable role in solving the employment problem have shown us the main role of small and medium-sized enterprises in driving the further development of domestic economy. Unfortunately, through the analysis of the financing situation of SMEs, it is found that the closure of individual enterprises caused by the blockage of financing channels has become the primary reason for restricting the growth and development of SMEs in China. There are three main problems in the financing channels of SMEs in China: excessive reliance on endogenous financing channels and serious shortage of exogenous financing channels, imbalance of direct and indirect financing channels, and the general preference of SMEs for informal financing channels. In contrast, the United States, Germany, South Korea and other developed countries attach great importance to the balanced development of financing channels for SMEs, and through legislative means to open up various financing channels for small and medium-sized enterprises in stages, worthy of our reference. We should encourage the innovation of the financing mechanism of commercial banks, optimize the structure of enterprises' assets and increase the accumulation of internal financing, and set up a financing platform funded by the government to find credit sources for small and medium-sized enterprises, that is, from financial institutions. The main body of enterprises and government departments to broaden the financing channels of small and medium-sized enterprises in China, and to clear the way for the development of small and medium-sized enterprises.
【學位授予單位】：東北師范大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F832.4;F275;F276.3

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