摘要

中小企業(yè)在我國(guó)經(jīng)濟(jì)和社會(huì)發(fā)展中具有舉足輕重的作用，在調(diào)整經(jīng)濟(jì)結(jié)構(gòu)、豐富和活躍市場(chǎng)、增加就業(yè)機(jī)會(huì)、發(fā)展地方經(jīng)濟(jì)、增加財(cái)政收入等方面都發(fā)揮著重要的作用。然而，融資難的問題一直困擾著中小企業(yè)的發(fā)展。同時(shí)結(jié)合目前爆發(fā)金融危機(jī)這個(gè)背景條件,深入分析中小企業(yè)融資難存在的問題。指出中小企業(yè)融資中存在著直接融資渠道比較狹窄、融資成本和風(fēng)險(xiǎn)高，融資信用低，受政策性的歧視、社會(huì)金融服務(wù)不協(xié)調(diào)等現(xiàn)象。從中了解導(dǎo)致中小企業(yè)融資困境的原因是多方面的，包括中小企業(yè)自身的不足，金融機(jī)構(gòu)的壟斷，中小金融機(jī)構(gòu)發(fā)展的滯后，保護(hù)其發(fā)展的法規(guī)不健全,資本市場(chǎng)不完善等。所以本文深入分析我國(guó)中小企業(yè)融資存在的問題，探討并提出解決中小企業(yè)融資難的措施, 以便從根本上突破融資難的瓶頸。指出解決中小企業(yè)融資困境應(yīng)從提高中小企業(yè)自身競(jìng)爭(zhēng)力、深化金融業(yè)改革、完善資本市場(chǎng)、加大政府支持力度, 加強(qiáng)社會(huì)化服務(wù)體系的建設(shè)等方面尋求對(duì)策。
關(guān)鍵詞 中小企業(yè) 融資 融資渠道

Abstract

SMEs play a decisive role in China's economic and social development.And have played an important role in adjusting the economic structure, to enrich and enliven the market, increase employment opportunities, the development of local economy and increasing fiscal revenue, etc. However, the issue of financing has been plaguing the development of SMEs. Meanwhile, take into consideration of the current financial crisis, make deep analysis of financing small and medium-sized problems. Pointing out that there are such phenomenon as narrow channels of direct financing, high financing cost and high risk, low financing credit, discriminatory policy, and Lack of co-ordination of social financial services. etc. To understand the plight of small and medium enterprises financing are of many aspects. Including their lack of small and medium enterprises, financial institutions, monopoly, the development of small and medium-sized financial institutions lagged behind, the development of regulations to protect their not perfect, imperfect capital markets. Therefore, this article-depth analysis of the problems of financing small and medium enterprises, to explore and propose solutions to small and medium enterprises financing measures to fundamentally break through the bottleneck of financing difficulties. Financing solutions to the plight of small and medium-sized small and medium enterprises should increase the competitiveness of their own, and deepen financial sector reforms, improve the capital markets, increase government support to strengthen the social service system building
Key Words Small and medium-sized enterprises Financing Financing channels

目 錄
摘 要 I
ABSTRACT II
目 錄 III
第1章 緒論 1
1.1背景 1
1.2國(guó)內(nèi)外研究現(xiàn)狀 2
1.2.1國(guó)外研究現(xiàn)狀 2
1.2.2國(guó)內(nèi)研究現(xiàn)狀 3
1.3本文研究?jī)?nèi)容 4
第2章中小企業(yè)融資的理論概述 5
2.1融資問題的概述 5
2.2融資的方法與途徑 6
2.2.1傳統(tǒng)的融資方法 6
2.2.2新融資方法 6
2.3中小企業(yè)融資的主要理論 8
2.3.1融資結(jié)構(gòu)與資本結(jié)構(gòu) 8
2.3.2資本結(jié)構(gòu)理論 10
2.3.3現(xiàn)代資本結(jié)構(gòu)理論 10
第3章XX公司融資現(xiàn)狀分析 13
3.1公司概況 13
3.1.1 XX公司自然概況簡(jiǎn)介 13
3.1.2XX公司財(cái)務(wù)狀況 13
3.2XX公司在融資方面存在的主要問題 16
3.2.1.經(jīng)營(yíng)管理方式陳舊 16
3.2.2融資渠道較窄，成本過高 17
3.2.3XX公司財(cái)務(wù)管理缺乏科學(xué)性和透明度 18
3.3XX公司融資問題分析 19
3.3.1企業(yè)自身方面 19
3.3.2宏觀方面的原因 21
3.3.3金融體系方面 21
第4章XX公司融資問題的解決對(duì)策與建議 23
4.1加強(qiáng)公司經(jīng)營(yíng)管理 23
4.1.1制定發(fā)展戰(zhàn)略和創(chuàng)新經(jīng)營(yíng)管理 23
4.1.2加強(qiáng)市場(chǎng)開發(fā)選擇營(yíng)銷戰(zhàn)略 23
4.1.3實(shí)施科學(xué)管理實(shí)現(xiàn)企業(yè)目標(biāo) 24
4.2拓寬融資渠道，降低融資成本 25
4.3增強(qiáng)財(cái)務(wù)管理水平，提高信用度 26
4.3.1加強(qiáng)財(cái)務(wù)管理，提高經(jīng)濟(jì)效益 26
4.3.2強(qiáng)化法人法律意識(shí)，提高財(cái)務(wù)人員業(yè)務(wù)素質(zhì) 27
4.3.3規(guī)范行為，樹立誠(chéng)信觀念 28
結(jié)束語 29
致謝 30
參考文獻(xiàn) 31
附錄1
附錄2