淺析通貨緊縮政策對(duì)我國(guó)中小企業(yè)的影響及對(duì)策

【摘要】 尤其近三年來(lái)，我國(guó)貨幣政策逐步不斷轉(zhuǎn)為“通貨緊縮”，這將使得中小企業(yè)融資難問(wèn)題更加突出。本文從我國(guó)緊縮貨幣政策的形成以及影響入手，著重展開(kāi)分析對(duì)我國(guó)中小型企業(yè)融資的影響，并進(jìn)而提出可以采取的一些對(duì)策，最后通過(guò)整個(gè)文章的分析從中小企業(yè)、金融機(jī)構(gòu)和政府三個(gè)方面提出三點(diǎn)建議。
【關(guān)鍵詞】 緊縮性貨幣政策  中小企業(yè)  融資

Abstract：Especially during the past three years, China's monetary policy gradually continue to "deflation", which will make the financing of SMEs become more and more difficult and prominent. In this paper, begin with the formation of tight monetary policy and affect , focusing on small and medium enterprises in China for financing, and thus put forward some countermeasures that can be taken, and finally through the analysis of the entire article , putting forward three proposals from the SMEs, financial institutions and government .
Keywords：Tightening monetary policy ，Small and medium enterprises，F(xiàn)inancing

引言 3
1理論綜述 3
2我國(guó)貨幣緊縮政策分析 4
2.1、通貨緊縮的內(nèi)涵 4
2.2政策原因 5
2.3緊縮貨幣政策對(duì)企業(yè)融資的影響 5
2.4相關(guān)對(duì)策 6
3我國(guó)中小企業(yè)融資難的現(xiàn)狀分析 6
3.1中小企業(yè)自身存在著很多弱點(diǎn) 7
3.2中小企業(yè)與金融機(jī)構(gòu)存在信息不對(duì)稱 7
3.3中小企業(yè)不符合金融機(jī)構(gòu)傳統(tǒng)貸款方式的要求 8
3.4中小企業(yè)融資缺乏政策性支持和完善的法律保障 8
4通貨緊縮政策對(duì)我國(guó)中小企業(yè)融資的影響 8
4.1銀行信貸規(guī)模受限，中小企業(yè)融資難度增大 9
4.5貨幣政策緊縮造成融資渠道的收縮，中小企業(yè)融資來(lái)源受限 10
5通貨緊縮政策下我國(guó)中小企業(yè)融資對(duì)策 10
5.1積極落實(shí)國(guó)家支持中小企業(yè)信貸政策 10
5.2不斷創(chuàng)新中小企業(yè)信貸管理服務(wù)機(jī)制 11
5.3大力推動(dòng)中小企業(yè)直接融資 12
5.4努力提升中小企業(yè)市場(chǎng)競(jìng)爭(zhēng)力 13
6對(duì)我國(guó)中小企業(yè)融資問(wèn)題的幾點(diǎn)建議 13
6.1中小企業(yè)方面 13
參考文獻(xiàn) 14