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小微企業融資問題研究

時間:2019-06-08 07:50來源:畢業論文
參考國內外研究的基礎上,結合本國的國情,分析我國小微企業融資困境的現狀及其成因,從政府、企業和金融機構三方面分別提出相應的策略建議,為小微企業的健康發展提供參考

摘要:作為我國國民經濟的重要組成部分,小微企業在我國的經濟社會發展中扮演者著不可替代的角色,對于經濟發展的貢獻作用重大。據相關統計數據顯示,在我國有90%以上的中小企業屬于小微企業,而且發展速度很快,然而自2011年以來,全國范圍內諸多地區小微企業出現債務危機,企業資金鏈斷裂,經營困難甚至被迫倒閉的現象,在此經濟背景下,小微企業的融資問題亟待解決。36048
為了更好的扶持小微企業健康發展,國家出臺一系列針對性的政策和方針,在一定程度上使小微企業的融資環境有所改善,但融資難依然是制約小微企業發展的關鍵因素,因而對小微企業的融資困境進行研究并針對目前的狀況提出相應的對策具有十分重要的現實意義。
本文在參考國內外研究的基礎上,結合本國的國情,分析我國小微企業融資困境的現狀及其成因,從政府、企業和金融機構三方面分別提出相應的策略建議,為小微企業的健康發展提供參考。
畢業論文關鍵詞:小微企業; 發展現狀; 商業銀行; 創新對策
Research on Financing Problems of Small-Micro Enterprises
Abstract:  Small micro enterprise plays an important role in our domestic economy and social development, whose contribution is very significant in modern times. Relevant statistics has revealed that above 90% of small micro enterprise in our country belongs to the SMEs, which develop faster than expected since 2011. However, then a nationwide debt crisis starts to spread through across the country. For instance, the fund chain of small micro enterprise breaks, and some micro enterprises collapse because of some operating difficulties. In this context, financing problem of small micro enterprises is urgent to be solved.  源¥自%六^^維*論-文+網=www.aftnzs.live
    To maintain the sustainable development of small micro enterprises, the government introduced a series of policies and guidelines. As a result, to some extent, it makes the condition of financing small micro enterprise a little better, but it is still far from enough. At the moment, financing difficulties is still the critical factor that restricts the development of small micro enterprise. Therefore, the study of researching the financing problem of small micro enterprise is meaningful, which would help improve present situation. In addition, this study would also provide an effective method to analyze the crux of this financing problem.
    This paper analyzes the present situation and causes of China's small micro enterprise financing difficulties after taking the reference of domestic and foreign research, which also takes the current national situation into consideration. At last, this paper provides the guidance to maintain the sustainable development from the perspective of government, enterprises and financial institutions.
Key Words:Small micro enterprise;Current situation of the development;
           Commercial Banks;Innovative countermeasures
目錄
一、 緒論    1
(一)研究背景和意義    1
(二)國內外的研究現狀    1
(三)主要研究思路    2
二、小微企業的特征    2
(一)小微企業的概念    2
(二)小微企業的特征     3
三、小微企業融資困境及原因    3
(一)自身原因    3
(二)國有商業銀行對小微企業存在固有的偏見     3
(三)小微企業融資渠道不通暢    4
(四)政府層面因素     5
四、國外小微企業融資的經驗借鑒    5 源¥自%六^^維*論-文+網=www.aftnzs.live
(一)美國對待小微企業融資的主要做法    6 小微企業融資問題研究:http://www.aftnzs.live/jingji/20190608/34352.html
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