本文選題：中小企業(yè) + 融資　； 參考：《西南政法大學》2014年碩士論文

【摘要】：自改革開放以來，我國的中小企業(yè)得到了較快的發(fā)展，在國民經(jīng)濟中所占的比例日益增大，并在解決就業(yè)、創(chuàng)新技術、促進區(qū)域經(jīng)濟發(fā)展等方面發(fā)揮著重要的作用。然而在經(jīng)過了三十幾年的發(fā)展后，一系列制約中小企業(yè)發(fā)展的瓶頸開始出現(xiàn)，比如企業(yè)的固定資產(chǎn)不多、企業(yè)的管理不夠完善以及融資難等問題。尤其在近幾年，伴隨著很多中小企業(yè)因缺少足夠的資金而走向破產(chǎn)倒閉，我國的經(jīng)濟發(fā)展和社會的安定因此而產(chǎn)生了不利的影響。為了解決中小企業(yè)融資難問題，國家和各地區(qū)政府相繼出臺了多項措施，如備受關注的《創(chuàng)業(yè)板首次公開發(fā)行并上市管理辦法》等。但這些政策及措施在實踐中是否產(chǎn)生了實際的效用，能否解決小企業(yè)的融資問題，仍然是值得我們關注的問題。 四川省郫縣位于成都市近郊，有著優(yōu)越的地理位置和便利的交通設施，因此近幾年郫縣的經(jīng)濟有了飛速發(fā)展，其中川菜產(chǎn)業(yè)園的建立更是為其經(jīng)濟發(fā)展做出了很大的貢獻。筆者選取川菜產(chǎn)業(yè)園內(nèi)的中小企業(yè)為調(diào)研對象，通過實地走訪各個企業(yè)，采取問卷、訪談等形式，了解企業(yè)對融資的需求度、融資難易度以及在融資中出現(xiàn)的問題等。 調(diào)研報告共分四個部分：第一部分是緒論，包括調(diào)研背景的介紹、調(diào)研目的和意義以及調(diào)研的主要對象和調(diào)研方法。第二部分是對郫縣川菜產(chǎn)業(yè)園中小企業(yè)融資法律問題調(diào)研結(jié)果的總結(jié)及分析，主要調(diào)研了中小企業(yè)的基本情況、融資需求度及融資方式、融資中遇到的法律問題以及中小企業(yè)在融資方面的期望。第三部是分析了導致中小企業(yè)融資難問題的法律原因，主要從內(nèi)源性融資和外源性融資兩個角度出發(fā)，分別分析中小企業(yè)所選擇的融資方式中存在的問題及其產(chǎn)生的原因，包括關于中小企業(yè)融資的法律制度不健全、銀行貸款難問題、上市及發(fā)行債券難以及民間借貸出現(xiàn)的問題等。第四部分是提出化解中小企業(yè)融資難問題的法律對策，，結(jié)合第三章分析的問題，給出筆者的建議，主要包括完善中小企業(yè)融資方面的法律法規(guī)、建立銀行信貸體系、完善中小企業(yè)的企業(yè)制度、放寬上市及發(fā)行債券的條件、以及將民間資本注入中小企業(yè)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.
【學位授予單位】：西南政法大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：D922.28

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