本文選題：中小企業(yè) + 融資難��； 參考：《湖北工業(yè)大學》2017年碩士論文

【摘要】：經(jīng)過改革開放三十多年來的發(fā)展,我國經(jīng)濟取得了巨大的成就,國內(nèi)生產(chǎn)總值位居世界第二。與此同時,我國中小企業(yè)也得到了快速的發(fā)展,成為我國國民經(jīng)濟的重要組成部分。目前,我國中小企業(yè)占企業(yè)總數(shù)的99%以上,在解決就業(yè)和繁榮經(jīng)濟方面發(fā)揮了重大的作用,是促進我國經(jīng)濟發(fā)展與社會穩(wěn)定的基石。隨著經(jīng)濟的發(fā)展,政府和人民對經(jīng)濟的發(fā)展質(zhì)量也提出了更高的要求。粗放型的經(jīng)濟發(fā)展模式極大的消耗了不可再生能源,也導致環(huán)境惡化影響人民群眾的身體健康。為提高經(jīng)濟發(fā)展質(zhì)量,政府及眾多企業(yè)積極進行產(chǎn)業(yè)結構轉(zhuǎn)型升級,以適應新形勢下的市場競爭。中小企業(yè)由于規(guī)模小,資源少,內(nèi)源融資能力較弱,在我國經(jīng)濟產(chǎn)業(yè)轉(zhuǎn)型升級的大背景下,中小企業(yè)舉步維艱。而融資難問題是中小企業(yè)的發(fā)展瓶頸。為緩解中小企業(yè)融資難問題,本文對中小企業(yè)的融資現(xiàn)狀進行研究,通過金融服務創(chuàng)新來緩解中小企業(yè)融資難的問題。文章從理論分析著手,采用實地調(diào)研法為主,并輔文獻研究法、歸類總結法及討論法,通過這四種研究方法的使用,有效的反映金融服務創(chuàng)新對中小企業(yè)融資的影響,并在此基礎上,研究通過金融服務創(chuàng)新激活社會資金從而促進中小企業(yè)融資。通過分析研究發(fā)現(xiàn),在目前的金融融資體系下,中小企業(yè)存在著融資渠道單一、銀行信貸難、金融融資門檻高及信息不對稱等諸多問題。這些問題是制約中小企業(yè)融資的現(xiàn)實難題,就目前的金融融資體系很難滿足中小企業(yè)融資的需求。結合國際的成功經(jīng)驗及我國的實際情況,本文主要從金融服務創(chuàng)新方面提出對策建議結合金融機構、政府及企業(yè)自身的改革,探索構建公開、公平、高效的金融融資服務體系。通過建立以統(tǒng)一的金融融資平臺、信用平臺及第三方評級機構為主體的大型綜合融資平臺,使中小企業(yè)能通過該平臺便捷的獲得發(fā)展所需的資金,緩解制約中小企業(yè)發(fā)展的融資難問題。
[Abstract]:After more than 30 years of reform and opening up, China's economy has made great achievements, the GDP ranks second in the world. At the same time, the small and medium-sized enterprises of our country also get the fast development, become the important part of our national economy. At present, small and medium-sized enterprises in our country account for more than 99% of the total number of enterprises, which plays an important role in solving the problem of employment and prosperity of economy, and is the cornerstone of promoting the economic development and social stability of our country. With the development of economy, the government and people also put forward higher request to the quality of economic development. The extensive economic development model consumes the non-renewable energy greatly, also causes the environmental deterioration to affect the people's health. In order to improve the quality of economic development, the government and many enterprises actively carry out the industrial structure transformation and upgrade to adapt to the market competition under the new situation. Because of their small scale, small resources and weak endogenous financing ability, SMEs are struggling under the background of economic and industrial transformation and upgrading. The problem of financing is the bottleneck of the development of small and medium-sized enterprises. In order to alleviate the financing difficulties of small and medium-sized enterprises, this paper studies the financing status of small and medium-sized enterprises, through the innovation of financial services to alleviate the financing difficulties of small and medium-sized enterprises. The article starts from the theoretical analysis, mainly adopts the field investigation method, and adjusts the literature research method, classifies the summary method and the discussion method, through the use of these four research methods, effectively reflects the financial service innovation to the small and medium-sized enterprise financing influence. And on this basis, the research through the innovation of financial services to activate social funds to promote small and medium-sized financing. Through analysis and research, it is found that under the current financial financing system, SMEs have many problems such as single financing channel, difficult bank credit, high financial financing threshold and asymmetric information. These problems are the practical problems restricting the financing of small and medium-sized enterprises. The current financial financing system is very difficult to meet the financing needs of small and medium-sized enterprises. Combined with the international successful experience and the actual situation of our country, this paper mainly puts forward the countermeasures and suggestions from the aspect of financial service innovation, combining with the reform of financial institutions, governments and enterprises, to explore the construction of an open, fair and efficient financial financing service system. Through the establishment of a unified financial financing platform, credit platform and third-party rating agencies as the main body of the large-scale comprehensive financing platform, so that small and medium-sized enterprises can easily access the development of funds through this platform. Ease the financing difficulties that restrict the development of small and medium enterprises.
【學位授予單位】：湖北工業(yè)大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F276.3;F275

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