畢業(yè)論文，本人書寫論文多年，上傳作品為畢業(yè)合格作品，完整內(nèi)容。格式標(biāo)準(zhǔn)，20700字左右。介紹：
摘 要
中小企業(yè)融資問題是一個(gè)世界性難題，也是一個(gè)長(zhǎng)久性課題。盡管政府采取了一系列金融措施改善中小企業(yè)的融資環(huán)境，但融資難問題并未得到很好的解決?，F(xiàn)有的融資環(huán)境與企業(yè)的希望仍有較大差距，中小企業(yè)信貸滿足率仍待提高。如何營造良好的融資環(huán)境和解決中小企業(yè)自身的內(nèi)部問題，對(duì)于促進(jìn)我國中小企業(yè)發(fā)展具有重大意義
本文從企業(yè)融資的理論入手，通過結(jié)合黑龍江省xx制衣有限公司的實(shí)際現(xiàn)狀，對(duì)該企業(yè)進(jìn)行了財(cái)務(wù)分析及融資渠道狀況分析，指出形成xx制衣公司融資困境的具體原因。并提出對(duì)融資困難的處理以及融資措施：公司的發(fā)展需要自身的努力和政府的培育。為我國中小企業(yè)融資方式和融資體制的改革略陳管見。最后對(duì)全文做出歸納性總結(jié)。

【關(guān)鍵詞】 中小企業(yè) 融資困境 融資策略
Abstract
The financing problem of SMEs is a world-wide problem,but also a long-term issues. Although the Government has adopted a series of financial measures to improve the financing environment for SMEs,but the issue of financing has not been resolved.The current financing environment and the hope of enterprises are still a wide gap,the rate of credit to the small and medium-sized is yet to be improved.
The paper mainly has conducted the research from three levels.The first stratification plane has carried on the analysis to the present of our country’s present situation SME financing plight .then analyzed the deep level reason thoroughly which has formed the small and medium-sized enterprise financing difficult position.The second stratification plane used the comparative analysis and the historical analysis method to analyze foreign financing models for SMEs in developed countries, pointing out that the Government's financial capital in small and medium-sized the important role of financing.Then carried out a detailed feasibility demonstration for the necessity and realistic feasibility of involvement in financing small and medium-sized financial. The third stratification plane has defined the content and focus of effective fiscal and financial means of financing small and medium-sized docking ,at the same time pointed out that the financial financing and financial funding has its own corresponding with the existence of the main objectives of the development of space,only two are mutually reinforcing,effectively complement each other and would not be possible to completely replace.At the same time,the development needs of small and medium-sized government development.To build effective fiscal and financial means of financing small and medium-sized docking puts forward policy recommendations.

Keywords small and medium enterprises financing Plight financing mode



目 錄
摘要 I
Abstract II

第1章 緒論 1
1.1 研究背景 1
1.2 國內(nèi)外研究現(xiàn)狀 2
1.2.1 國內(nèi)研究現(xiàn)狀 2
1.2.2 國外研究現(xiàn)狀 3
1.3 研究目的及意義 4
1.4 研究方法 4
第2章 中小企業(yè)融資相關(guān)理論概述 6
2.1 中小企業(yè)融資界定 6
2.2 融資渠道及特點(diǎn)概述 6
2.2.1 融資渠道 6
2.2.2 融資特點(diǎn) 7
第3章 XX制衣融資現(xiàn)狀及存在問題 10
3.1 XX制衣企業(yè)概況 10
3.2XX制衣公司融資現(xiàn)狀 11
3.2.1 xx制衣公司財(cái)務(wù)分析 11
3.2.2 xx制衣公司融資現(xiàn)狀 12
3.3 XX制衣融資前景黯淡 13
第4章 XX制衣融資困難的原因分析 15
4.1 XX制衣融資困難的內(nèi)部原因 15
4.1.1 企業(yè)的信用不佳成為融資桎梏 15
4.1.2 企業(yè)經(jīng)營管理水平尚存商榷之處 15
4.1.3 抵押物的缺少導(dǎo)致?lián)＠щy 16
4.2 XX制衣融資困難的外部原因 17
4.2.1 國有商業(yè)銀行對(duì)xx制衣的惜貸 17
4.2.2 現(xiàn)有銀行體系的不完善 17
4.2.3 國家扶持力度不夠 18
第5章 化解XX制衣融資困難的路徑 20
5.1 從自身切實(shí)提高整體素質(zhì) 20
5.1.1 提升企業(yè)實(shí)力 20
5.1.2 規(guī)范企業(yè)會(huì)計(jì)制度和財(cái)務(wù)管理制度 20
5.1.3 尋找擔(dān)保公司并爭(zhēng)取擔(dān)保貸款 21
5.1.4 樹立良好的信用觀念意識(shí) 21
5.2 金融機(jī)構(gòu)的支持 22
5.3制定中小企業(yè)相關(guān)的扶持政策 23

結(jié)束語 25
致謝 26
參考文獻(xiàn) 27