本文選題：中小企業(yè)　切入點(diǎn)：融資困境　出處：《山東大學(xué)》2014年碩士論文

【摘要】：隨著經(jīng)濟(jì)全球化的不斷深入和科技進(jìn)步的突飛猛進(jìn),中小企業(yè)越來越成為世界各國最重要的戰(zhàn)略資源之一。中小企業(yè)對(duì)我國經(jīng)濟(jì)增長、擴(kuò)大內(nèi)需、促進(jìn)就業(yè)、穩(wěn)定社會(huì)、改善民生、縮小收入差距等很多方面都發(fā)揮著非常重要的作用,為我國經(jīng)濟(jì)快速穩(wěn)定發(fā)展做出了巨大貢獻(xiàn)。 但是在中國特色社會(huì)主義市場經(jīng)濟(jì)發(fā)展過程中,我國中小企業(yè)的發(fā)展并不順利,而是在國家政策制度、經(jīng)營環(huán)境、企業(yè)自身素質(zhì)等多方面都受到嚴(yán)重制約,由此帶來了很多問題,特別是融資難已經(jīng)成為我國中小企業(yè)發(fā)展過程中面臨的最嚴(yán)重的瓶頸之一,尤其是受到2008年國際金融危機(jī)的影響,國際經(jīng)濟(jì)形勢急劇惡化,國內(nèi)經(jīng)濟(jì)增速放緩,越來越多的資金逃離實(shí)體經(jīng)濟(jì),中小企業(yè)面臨越來越嚴(yán)重的資金困難,我國中小企業(yè)難以實(shí)現(xiàn)持續(xù)穩(wěn)定發(fā)展,這已成為許多經(jīng)濟(jì)社會(huì)矛盾的主要誘因。在這特殊的經(jīng)濟(jì)發(fā)展時(shí)期,誰來輸血中小企業(yè)、如何輸血中小企業(yè)就成了一個(gè)非常關(guān)鍵的問題。 本文在充分分析借鑒國內(nèi)外理論研究成果和實(shí)踐方面的一些做法的基礎(chǔ)上,分析了我國目前中小企業(yè)面臨的融資困境,即融資渠道單一和融資成本過高,而造成這些問題的主要原因是各類金融機(jī)構(gòu)出于安全穩(wěn)健的經(jīng)營思想對(duì)中小企業(yè)惜貸、企業(yè)自身存在著許多不容忽視的問題和國家相關(guān)的政策和制度不完善,針對(duì)這些問題,借鑒市場經(jīng)濟(jì)國家中小企業(yè)成熟的融資實(shí)踐和經(jīng)驗(yàn),結(jié)合濰坊市創(chuàng)新金融促進(jìn)中小企業(yè)發(fā)展的實(shí)證考察,筆者認(rèn)為應(yīng)從以下幾個(gè)方面入手解決我國中小企業(yè)融資難的問題：政府應(yīng)完善相關(guān)政策,加大對(duì)中小企業(yè)融資的支持力度,完善相關(guān)法律制度,為中小企業(yè)的融資活動(dòng)提供制度保障,要規(guī)范引導(dǎo)民間融資,大力發(fā)展地方性金融機(jī)構(gòu)；金融機(jī)構(gòu)應(yīng)完善機(jī)構(gòu)設(shè)置,加快金融創(chuàng)新,積極發(fā)展多層次的資本市場,鼓勵(lì)和引導(dǎo)中小企業(yè)直接融資；而對(duì)于企業(yè)來說,應(yīng)規(guī)范企業(yè)管理,提高企業(yè)素質(zhì),完善企業(yè)信用體系建設(shè),提高企業(yè)創(chuàng)新能力。
[Abstract]:With the rapid development of economic globalization and the progress of science and technology, more and more SMEs to become one of the most important strategic resources in the world. Small and medium-sized enterprises in China's economic growth, expanding domestic demand, promoting employment, social stability, improving people's livelihood, narrowing the income gap and many other aspects are playing a very important role, made a great contribution as China's rapid and stable economic development.
But in the process of development China socialist market economy, the development of SMEs in China is not smooth, but in the system of state policy, business environment, the quality of the enterprise itself and other aspects are severely constrained, it brings a lot of problems, especially in financing has become one of the most serious bottleneck facing the development process of China's small and medium-sized in the enterprise, especially influenced by the international financial crisis in 2008, the international economic situation deteriorated sharply, the domestic economic slowdown, more and more money out of the real economy, small and medium-sized enterprises are facing increasingly serious financial difficulties, to small and medium-sized enterprises in China to achieve sustained and stable development, which has become a major cause of many economic and social contradictions in this special period of economic development, who blood transfusion of small and medium-sized enterprises, small and medium enterprises how to blood transfusion has become a crucial problem.
Based on the full analysis from some of the practices of domestic and foreign research results and Practice on the analysis of the financing difficulties faced by SMEs in China at present, namely the single channel of financing and financing costs, which is the main cause of these problems of all kinds of financial institutions for the safety and soundness of the business ideas of small and medium-sized enterprises credit crunch enterprise has related policies and systems many problems can not be ignored and the country is not perfect, in order to solve these problems, the practice and experience of small and medium sized enterprises financing from mature market economy countries, an empirical study in Weifang city with financial innovation to promote the development of SMEs, the author believe that the following aspects should be to solve the financing difficulty of small and medium-sized enterprises in China question: the government should improve relevant policies, strengthen financial support for SMEs, improve the relevant legal system for small and medium sized enterprises Provide system guarantee and financing activities, to standardize and guide private financing, develop local financial institutions; financial institutions should improve institutional settings, accelerate financial innovation, and actively develop multi-level capital market, encourage and guide the direct financing of small and medium-sized enterprises; for enterprises, we should standardize enterprise management, improve the quality of enterprises, improve the construction of enterprise the credit system, improve the innovation ability of enterprises.

【學(xué)位授予單位】：山東大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F276.3;F832.4

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本文編號(hào)：1670129