中小企业融资难.doc

中小企业融资难
金融是现代经济的核心,资金是企业发展的第一推动力和持续推动力,中小企业要想持续健康地发展同样也离不开资金的供应和支持。然而,现实问题是只能够小企业融投资在世界各国都备受歧视,始终处在不利地位,中小企业融资难是一个世界性的课题,即使在经济发展快、市场机制灵活、资本市场完善的西方发达国家,中小企业融资也同样面临着重重困难,在很大程度上依赖于政府的扶助与支持。在我国,由于中小企业起步晚,市场机制还不完善和不成熟,中小企业融资受到的种种限制比较多,融资渠道十分不畅。介于以上原因,我从宏观和微观两方面来阐述中小企业融资难问题并提出解决的办法。微观角度又从企业自身原因、银行、担保、资本市场等角度来阐述;宏观角度是从政府角度来考虑。
【关键词】中小企业融资解决途径
Abstract
Finance is the core of modern economy, capital is the first impetus to the development of enterprises and sustained impetus to the sustained and healthy SME development is also inseparable from the availability of funds and support. However, the real problem is that small businesses can only financial investment in countries around the world are subject to discrimination, and always in the disadvantaged, the SME financing difficulty is a global issue, even in the fast economic development and flexible market mechanism, improve the capital market Western developed countries, the SME financing is also faced with numerous difficulties, rgely dependent on government assistance and support. In China, due to late start of SMEs, the market mechanism is not perfect and immature, Es financing by the more restrictions, financing channels is very poor. Between the above reasons, I have both macro-and micro-financing to SMEs on difficult issues and propose solutions. Micro-enterprises from the perspective of their own reasons, banking, security, and the capital market perspective, and so on; macro perspective from the point of view
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Key words: small and medium enterprises; financing; their own reasons for the solution
目录
摘要-------------------------------------------------------------1
Abstract----------------------------------------------------------1
一引言----------------------------------------------------------5
㈠研究的问题-------------------------------------------------5
㈡中小企业融资难的现状---------------------------------------5
1 融资渠道窄-----------------------------------------------5
2 融资成本高---------------------------------------