1、 毕毕 业业 设设 计（论计（论 文）文） 题 目 我国中小企业融资问题的研究 分 院： 经济管理分院 专 业： 会计学 班 级： 07 会计 1 班 学 号： 学生姓名： 指导教师： 起讫日期： 2011 年 1 月 10 日 I 摘摘 要要 中小企业在我国的国民经济发展中，始终是一支重要力量，是我国国民经济 的重要组成部分。自改革开放以来中小企业如雨后春笋般茁壮成长有了长足发 展，但是中小企业的各种问题在发展中也不断的显现出来，尤其是中小企业融资 问题日益突显。近几年全球金融危机更使得中小企业融资雪上加霜。本文首先从 我国中小企业的划分及中小企业在国民经济的地位和作用出发， 进一步引出我国
2、 中小企业融资的困境，通过分析我国中小企业融资困境的原因的三方面:中小企 业的自身因素（根本原因）规模小，资信低，效益差等；融资环境因素 金融市场不完善，金融机构对中小企业“慎贷” “拒贷” ，中介担保机构缺乏；政 府政策因素优惠政策未向中小企业倾斜。 本文根据原因分别提出相关对策建 议更好的解决我过中小企业面临的融资困境， 促进我国中小企业健康持续快速发 展，充分发挥我国中小企业在国民经济中的重要作用。 关键词：关键词：中小企业中小企业；融资融资；困境困境；原因；原因；对策对策 II Abstract Small and medium-sized enterprises in Chinas
3、national economic development, is always an important force in the national economy in China, is the important component. Since reform and opening-up small and medium-sized enterprise springing up thrive, but there is tremendous development of small and medium-sized enterprises of various problems i
4、n developing also constantly appear, especially small and medium-sized enterprise financing has been increasing. Global financial crisis in recent years more medium and small-sized enterprises financing even worse. This paper first from the division of the small and medium-sized enterprises and smal
5、l and medium enterprises in the status and effect of national economy in China, further leads on the financing of small and medium enterprises, this paper analyzes difficulties financing predicament of causes of three aspects: small and medium-sized enterprises own factors (root cause) - small, poor
6、 credit low, benefit; Financing environment factors - financial market is not perfect, financial institutions to small and medium-sized enterprise “borrowed“ “rejected yishen borrowed“ lack of guarantee agencies, intermediary; Government policy factors - preferential policy fails to small and medium-sized enterprise tilt. According to relevant countermeasures are put forward reason I had bette
