長(zhǎng)三角中小企業(yè)融資問(wèn)題研究

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摘要
改革開(kāi)放以來(lái)，中小企業(yè)在中國(guó)發(fā)展迅速，已成為中國(guó)經(jīng)濟(jì)社會(huì)的發(fā)展的重要組成部分。長(zhǎng)三角地區(qū)作為我國(guó)經(jīng)濟(jì)最活躍的地區(qū)，自主創(chuàng)新的氛圍更是活躍。但是在中小企業(yè)發(fā)展的過(guò)程中，融資約束一直成為制約中小企業(yè)蓬勃發(fā)展的難題，國(guó)家政策和法律方面也努力促進(jìn)中小企業(yè)的發(fā)展，尤其是2008年我國(guó)的實(shí)體經(jīng)濟(jì)受到了國(guó)際金融危機(jī)的嚴(yán)重沖擊，帶來(lái)了各種突發(fā)性困難，其中融資難問(wèn)題比較突出，調(diào)查表明，作為我國(guó)自主創(chuàng)新排頭兵的長(zhǎng)三角地區(qū)，自主創(chuàng)新氛圍雖然強(qiáng)，但效果并不明顯，資金短缺，融資困難的危機(jī)越來(lái)越嚴(yán)重。本文主要分析是深度剖析長(zhǎng)三角中小企業(yè)的融資現(xiàn)狀，從外部環(huán)境和內(nèi)部經(jīng)營(yíng)等層面分析長(zhǎng)三角地區(qū)民營(yíng)企業(yè)自主創(chuàng)新融資難的成因，并提出了相應(yīng)的解決舉措。

【關(guān)鍵詞】長(zhǎng)三角 中小企業(yè)　融資　

Abstract：
Since the reform and opening up, the rapid development of SMEs in China has become an important part of China's economic and social development. Yangtze Delta region of China's most economically active, independent and innovative atmosphere is active. But in the course of the development of SMEs, the financing constraints of SMEs has become a problem restricted to flourish, national policies and laws also endeavor to promote the development of SMEs, especially in 2008, China's real economy has been severe impact of the international financial crisis , brought a variety of unexpected difficulties, the problem of financing the more prominent, the survey showed that as the vanguard of China's Yangtze River Delta region innovation, innovation atmosphere though strong, but the effect is not obvious, a shortage of funds, financing difficulties crisis more serious. This paper analyzes the status quo of the Yangtze River Delta depth analysis of the financing of SMEs, from the external environment and internal operations, such as the level of analysis of the private enterprises in independent innovation causes difficulties in financing, and the corresponding solutions initiative.

[keyword] Changjiang Delta finance small and medium sized enterprises


目 錄
目錄............................................................ 4
前言.............................................................5
1.長(zhǎng)三角地區(qū)中小企業(yè)發(fā)展現(xiàn)狀評(píng)述.................................5
1.1經(jīng)濟(jì)環(huán)境...................................................5
1.2現(xiàn)有融資方法...............................................5
1.3. 長(zhǎng)三角中小企業(yè)融資仍顯困難................................6
2.長(zhǎng)三角中小企業(yè)融資難現(xiàn)狀.......................................6
2.1長(zhǎng)三角中小企業(yè)融資需求旺盛.................................7
2.2.資金需求與資金供給失衡.....................................7
2.3資金緊張局面日益加劇.......................................8
2.4融資成本急劇上升...........................................8
2.5融資渠道趨向狹窄...........................................9
3.長(zhǎng)三角融資困境成因深層解析....................................9
3.1內(nèi)部原因解析............................................. 9
3.2外部原因解析..............................................10　　
4.國(guó)內(nèi)外中小企業(yè)融資體系比較及其啟示............................11
4.1各國(guó)(地區(qū))中小企業(yè)融資體系的比較..........................11
　4.2各國(guó)中小企業(yè)融資體系的啟示................................12
5.體系探索以及走出困境的應(yīng)對(duì)思路與途徑.................13
5.1長(zhǎng)三角地區(qū)融資體系探索....................................13
5.2長(zhǎng)三角地區(qū)中小企業(yè)走出困境的應(yīng)對(duì)思路..........16
5.3“長(zhǎng)三角”中小企業(yè)融資困境破解路徑.............................17
參考文獻(xiàn)......................................................... 20
致謝..............................................................21