本文選題：中小企業(yè) + 融資環(huán)境��； 參考：《吉林大學(xué)》2017年碩士論文

【摘要】：中小企業(yè)是推動(dòng)我國(guó)經(jīng)濟(jì)社會(huì)發(fā)展的重要力量。但在我國(guó)這樣一個(gè)信貸市場(chǎng)以大型國(guó)有銀行為主導(dǎo)且資本市場(chǎng)建設(shè)尚不完備的國(guó)家,中小企業(yè)融資難這一世界性、普遍性難題顯得格外突出,已制約到其經(jīng)濟(jì)、社會(huì)效益的發(fā)揮,所以優(yōu)化中小企業(yè)的融資環(huán)境迫在眉睫。中小企業(yè)現(xiàn)有融資模式包括財(cái)政資金補(bǔ)助、銀行貸款、自籌資金、風(fēng)險(xiǎn)投資、股權(quán)融資等形式。本文通過研究中小企業(yè)在我國(guó)經(jīng)濟(jì)發(fā)展中的地位作用和發(fā)展特征,結(jié)合分析資本結(jié)構(gòu)理論、融資偏好理論等相關(guān)理論及對(duì)我國(guó)中小企業(yè)融資的具體適用情況,探尋我國(guó)中小企業(yè)融資難的現(xiàn)狀及成因,得出融資難的根本原因。最后提出本文結(jié)論:解決中小企業(yè)融資難問題關(guān)鍵是政府、金融機(jī)構(gòu)、企業(yè)三方共同發(fā)力,建立健全面向中小企業(yè)的融資機(jī)制和社會(huì)信用體系,積極推動(dòng)中小企業(yè)融資的渠道多元化、交易市場(chǎng)化、經(jīng)營(yíng)規(guī)范化和結(jié)構(gòu)合理化。同時(shí)從為中小企業(yè)創(chuàng)造平等的融資環(huán)境、完善中小企業(yè)融資服務(wù)和提高中小企業(yè)自身素質(zhì)等三方面,提出緩解我國(guó)中小企業(yè)融資難、融資貴的對(duì)策建議。
[Abstract]:Small and medium-sized enterprises are an important force to promote the economic and social development of our country. However, in a country where the credit market is dominated by large state-owned banks and the construction of capital markets is not yet complete, the worldwide and universal problems of SMEs' financing are particularly prominent and have restricted their economies. Social benefits play, so optimization of the financing environment for small and medium-sized enterprises is imminent. The existing financing modes of SMEs include financial subsidy, bank loan, self-financing, venture capital, equity financing and so on. By studying the role and characteristics of small and medium-sized enterprises in the economic development of our country, this paper analyzes the relevant theories such as capital structure theory, financing preference theory and its application to the financing of small and medium-sized enterprises in China. This paper probes into the present situation and causes of financing difficulties of small and medium-sized enterprises in our country, and obtains the basic reasons of financing difficulties. Finally, the conclusion of this paper is: the key to solve the financing difficulties of SMEs is the joint efforts of the government, financial institutions and enterprises to establish and improve the financing mechanism and social credit system for small and medium-sized enterprises. Actively promote the diversification of financing channels for small and medium-sized enterprises, marketization of transactions, standardization of operations and rationalization of the structure. At the same time, from the three aspects of creating equal financing environment for small and medium-sized enterprises, perfecting the financing service of small and medium-sized enterprises and improving the quality of small and medium-sized enterprises, the paper puts forward some countermeasures and suggestions to alleviate the difficulty of financing for small and medium-sized enterprises in our country.
【學(xué)位授予單位】：吉林大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F276.3;F275

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本文編號(hào)：2006152