南通市小微企業(yè)融資現(xiàn)狀與對(duì)策研究

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摘要： 小微企業(yè)在我國(guó)經(jīng)濟(jì)發(fā)展過(guò)程中起到了巨大的推動(dòng)作用，是我國(guó)經(jīng)濟(jì)的重要組成部分。小微企業(yè)的發(fā)展在增加就業(yè)、經(jīng)濟(jì)增長(zhǎng)、社會(huì)穩(wěn)定等方面起到了非常大的促進(jìn)作用。但是當(dāng)前小微企業(yè)發(fā)展過(guò)程中存在嚴(yán)重的融資問(wèn)題。小微企業(yè)發(fā)展的重要推動(dòng)力是充足有效的資金供應(yīng)，因此解決小微企業(yè)的融資問(wèn)題能促進(jìn)我國(guó)經(jīng)濟(jì)更好更快的發(fā)展。
目前對(duì)小微企業(yè)融資問(wèn)題的研究大多從全國(guó)的角度出發(fā)，從宏觀層面探討小微企業(yè)融資問(wèn)題，對(duì)解決區(qū)域性企業(yè)融資問(wèn)題效果不明顯。本文主要研究地區(qū)小微企業(yè)的融資問(wèn)題，以南通小微企業(yè)為研究對(duì)象，首先從理論上闡明了小微企業(yè)在經(jīng)濟(jì)發(fā)展中的作用，指出解決小微企業(yè)融資問(wèn)題的重要性；然后陳述了小微企業(yè)的融資方式和融資特征，更好地了解了現(xiàn)有的融資方式，以便創(chuàng)新更有針對(duì)性的融資渠道；接著對(duì)南通小微企業(yè)現(xiàn)有的融資現(xiàn)狀進(jìn)行了闡述，用以探究其存在的問(wèn)題，分析成因，點(diǎn)明解決融資問(wèn)題對(duì)小微企業(yè)發(fā)展的迫切性；最后，對(duì)南通小微企業(yè)融資問(wèn)題提出了企業(yè)、金融機(jī)構(gòu)和政府這三方面的解決對(duì)策。
本文旨在對(duì)南通市小微企業(yè)的融資現(xiàn)狀進(jìn)行分析，找出小微企業(yè)融資過(guò)程中存在的問(wèn)題，進(jìn)而從提高小微企業(yè)盈利能力，加強(qiáng)金融機(jī)構(gòu)服務(wù)和落實(shí)政策支持三方面提出了促進(jìn)小微企業(yè)融資的對(duì)策措施，以加快小微企業(yè)的發(fā)展，推動(dòng)經(jīng)濟(jì)的增長(zhǎng)和社會(huì)的進(jìn)步。
關(guān)鍵詞：南通市 小微企業(yè) 融資



Nantong Small and Micro Enterprises Financing Situation
and Countermeasures Research
Abstract：Small and micro enterprises played a huge role in promoting China's economic development,it is an important part of our economy in China.Development of small and micro enterprises will promote employment,economic growth, social stability and technological innovation better too.However,there are serious problems with financing for them.The shortage of funds make them lack of motivation to develop,so solving these problems will make them develop better and faster.
Currently, research on the financing of small and micro enterprises are mostly based on the national perspective,and the area is so wide.It is ineffective to solve the problem of regional corporate finance .
The paper studies financing of small & micro enterprises in Nantong,first,theoretically clarify the role of small and micro enterprises in economic development, pointing out the importance of addressing the problem of financing small and micro enterprises;then stated financing methods and financing characteristics of small and micro enterprises,to better understand the existing financing methods for more targeted innovative financing channels;then elaborated the status of the existing financing small and micro enterprises in Nantong to explore its existing problems,analyze the causes, pointing the urgency to solve the financing problems of small and micro enterprise development;Finally,three solutions to solve the problem of financing small and micro enterprises in Nantong proposed corporations, financial institutions and governments .
This article aims to analyze the current financing situation of small and micro enterprises in Nantong , find out the problems in the financing process,and then improve profitability,strengthen financial institutions and implement policies to support services,made the promotion of small countermeasures micro-enterprise financing to accelerate the development of small and micro enterprises,promote the progress of economic growth and social development.
Key words：nantong small and micro enterprises financing

目 錄
引 言 1
第一章 小微企業(yè)融資概述 2
1.1小微企業(yè)涵義及作用 2
1.1.1 小微企業(yè)的涵義 2
1.1.2 小微企業(yè)的作用 2
1.2 小微企業(yè)融資方式與特征 2
1.2.1 小微企業(yè)融資概念 2
1.2.2 小微企業(yè)融資方式 3
1.2.3 小微企業(yè)融資特征 3
第二章 南通市小微企業(yè)融資現(xiàn)狀及存在的問(wèn)題 6
2.1 南通市小微企業(yè)融資現(xiàn)狀 6
2.2 南通市小微企業(yè)融資過(guò)程中存在的問(wèn)題 6
2.2.1 資金缺口大 7
2.2.2 抵押受限制 7
2.2.3 融資成本高 7
2.2.4 融資效率低 8
2.2.5 融資渠道單一 8
第三章 南通市小微企業(yè)融資過(guò)程中存在問(wèn)題的成因分析 8
3.1 小微企業(yè)內(nèi)部制度缺陷 9
3.1.1 用人制度存在缺陷 9
3.1.2 財(cái)務(wù)管理制度存在缺陷 9
3.1.3 監(jiān)控制度缺失 10
3.2 金融機(jī)構(gòu)及其服務(wù)缺位 10
3.2.1 金融機(jī)構(gòu)數(shù)量少 10
3.2.2 金融服務(wù)不到位 10
3.3 政府扶持不到位 11
3.3.1 稅收優(yōu)惠政策扶持力度不夠 11
3.3.2 法律制度不完善 12
第四章 南通市小微企業(yè)融資的對(duì)策 13
4.1 完善小微企業(yè)內(nèi)部制度 13
4.1.1 完善用人制度 13
4.1.2 健全財(cái)務(wù)管理制度 13
4.1.3 提高監(jiān)控力度 14
4.2 加大金融扶持力度 14
4.2.1 發(fā)展金融機(jī)構(gòu) 14
4.2.2 完善金融服務(wù) 14
4.2.3 創(chuàng)新發(fā)展小微企業(yè)契約型基金 15
4.3 加強(qiáng)政府的指引作用 15
4.3.1 制定相關(guān)法律 15
4.3.2 拓寬優(yōu)惠政策 16
結(jié) 論 16
致 謝 17
參考文獻(xiàn) 18