摘 要
我国目前面临的问题是我国目前面临的一个全球性问题。我国的中小型企业发展历史悠久，规模日益增大，其影响力日益凸显。本文从企业自身、金融机构、其他融资方式、政府支持等几个角度对我国中小企业融资困难进行了较为全面的论述。文章的结尾提出了一些相关的政策和措施。中小企业要强化企业内部的财务管理体系，要建立和完善企业内部控制和扩展的金融体系，确保企业的稳定、持续、协调发展。对中小型企业来说，要从银行得到更好的资金支持，就需要加强信贷体系的构建。信誉是衡量一家公司最重要的指标，对于一家公司而言，最重要的就是寻找一家信誉好的公司，这是一种必然会带来的风险。在我国的金融体制变革中，对我国的信用管理体制进行了改革与健全，是促进我国中小企业发展壮大的必要手段。在宏观经济和国家的政策扶持上，应加大对民间借贷的扶持，加强对民间借贷的法律保障。而我国的中小企业要想取得长远的发展，就必须建立完善的法制和完善的法制。
关键词：中小企业 融资 问题
Abstract
The problem China is facing is a global problem. China's small and medium-sized enterprises have a long history of development, and their scale is increasing, and their influence is increasingly prominent. This paper comprehensively discusses the financing difficulties of SMEs in China from the perspectives of enterprises themselves, financial institutions, other financing methods and government support. At the end of the article, some relevant policies and measures are put forward. Small and medium-sized enterprises should strengthen their internal financial management system, establish and improve their internal control and expanded financial system, and ensure their stable, sustainable and coordinated development. For small and medium-sized enterprises, to get better financial support from banks, they need to strengthen the construction of credit system. Reputation is the most important indicator to measure a company. For a company, the most important thing is to find a company with good reputation, which is an inevitable risk. In the reform of China's financial system, the reform and improvement of China's credit management system is a necessary means to promote the development and expansion of China's small and medium-sized enterprises. In terms of macroeconomic and national policy support, we should increase support for private lending and strengthen legal protection for private lending. In order to achieve long-term development, China's small and medium-sized enterprises must establish a sound legal system and a sound legal system.
Key words: SMEs financing problems
目 录
摘 要 I
Abstract II
1 前言 1
1.1 研究的背景和意义 1
1.2 国内外研究 2
2 我国中小企业的融资结构 2
2.1 国外的融资方式 2
2.2 我国中小企业的融资方式 3
2.2.1 内源融资 3
2.2.2 间接融资 3
3 我国中小企业的融资困境 3
3.1 中小企业自身方面原因 4
3.1.1 中小企业管理制度不规范 4
3.1.2 中小企业信用制度不完善 4
3.2 其它融资渠道不畅通 5
3.2.1 中小企业上市成本高 5
3.2.2 民间资本借贷尚不合法 6
3.3 政府支持与服务 6
4 我国中小企业融资难问题应对策略 7
4.1 提高中小企业自身素质 7
4.1.1 提高企业信息透明度 7
4.1.2 保留内源融资能力 7
4.1.3 健全企业管理制度 7
4.1.4 改善融资结构 8
4.2 健全中小企业融资渠道 8
4.2.1 优化金融机构 8
4.2.2 发展资本市场 8
4.3 中小企业融资的改进 8
4.3.1 信用评级体系的优化 8
4.3.2 中小企业融资的创新 9
4.4 加强政府管理力度 11
5 结论 11
参考文献 13
致 谢 15
我国目前面临的问题是我国目前面临的一个全球性问题。我国的中小型企业发展历史悠久，规模日益增大，其影响力日益凸显。本文从企业自身、金融机构、其他融资方式、政府支持等几个角度对我国中小企业融资困难进行了较为全面的论述。文章的结尾提出了一些相关的政策和措施。中小企业要强化企业内部的财务管理体系，要建立和完善企业内部控制和扩展的金融体系，确保企业的稳定、持续、协调发展。对中小型企业来说，要从银行得到更好的资金支持，就需要加强信贷体系的构建。信誉是衡量一家公司最重要的指标，对于一家公司而言，最重要的就是寻找一家信誉好的公司，这是一种必然会带来的风险。在我国的金融体制变革中，对我国的信用管理体制进行了改革与健全，是促进我国中小企业发展壮大的必要手段。在宏观经济和国家的政策扶持上，应加大对民间借贷的扶持，加强对民间借贷的法律保障。而我国的中小企业要想取得长远的发展，就必须建立完善的法制和完善的法制。
关键词：中小企业 融资 问题
Abstract
The problem China is facing is a global problem. China's small and medium-sized enterprises have a long history of development, and their scale is increasing, and their influence is increasingly prominent. This paper comprehensively discusses the financing difficulties of SMEs in China from the perspectives of enterprises themselves, financial institutions, other financing methods and government support. At the end of the article, some relevant policies and measures are put forward. Small and medium-sized enterprises should strengthen their internal financial management system, establish and improve their internal control and expanded financial system, and ensure their stable, sustainable and coordinated development. For small and medium-sized enterprises, to get better financial support from banks, they need to strengthen the construction of credit system. Reputation is the most important indicator to measure a company. For a company, the most important thing is to find a company with good reputation, which is an inevitable risk. In the reform of China's financial system, the reform and improvement of China's credit management system is a necessary means to promote the development and expansion of China's small and medium-sized enterprises. In terms of macroeconomic and national policy support, we should increase support for private lending and strengthen legal protection for private lending. In order to achieve long-term development, China's small and medium-sized enterprises must establish a sound legal system and a sound legal system.
Key words: SMEs financing problems
目 录
摘 要 I
Abstract II
1 前言 1
1.1 研究的背景和意义 1
1.2 国内外研究 2
2 我国中小企业的融资结构 2
2.1 国外的融资方式 2
2.2 我国中小企业的融资方式 3
2.2.1 内源融资 3
2.2.2 间接融资 3
3 我国中小企业的融资困境 3
3.1 中小企业自身方面原因 4
3.1.1 中小企业管理制度不规范 4
3.1.2 中小企业信用制度不完善 4
3.2 其它融资渠道不畅通 5
3.2.1 中小企业上市成本高 5
3.2.2 民间资本借贷尚不合法 6
3.3 政府支持与服务 6
4 我国中小企业融资难问题应对策略 7
4.1 提高中小企业自身素质 7
4.1.1 提高企业信息透明度 7
4.1.2 保留内源融资能力 7
4.1.3 健全企业管理制度 7
4.1.4 改善融资结构 8
4.2 健全中小企业融资渠道 8
4.2.1 优化金融机构 8
4.2.2 发展资本市场 8
4.3 中小企业融资的改进 8
4.3.1 信用评级体系的优化 8
4.3.2 中小企业融资的创新 9
4.4 加强政府管理力度 11
5 结论 11
参考文献 13
致 谢 15
