關(guān)于中小企業(yè)融資困境的制度背景分析【開題報告+論文+外文及翻譯+文獻(xiàn)綜述+任務(wù)書】


摘   要

中小企業(yè)是我國國民經(jīng)濟(jì)的重要組成部分,是一個富有活力的經(jīng)濟(jì)群體,改革開放三十年來對我國國民經(jīng)濟(jì)的貢獻(xiàn)率不斷提高，中小企業(yè)在促進(jìn)經(jīng)濟(jì)增長、創(chuàng)造就業(yè)機(jī)會、增加農(nóng)民收入、轉(zhuǎn)移農(nóng)村富余勞動力等方面發(fā)揮越來越重要的作用。但是，目前我國中小企業(yè)的發(fā)展面臨著很大的困難。尤其影響我國中小企業(yè)進(jìn)一步發(fā)展的重要的因素是中小企業(yè)融資問題，比如融資渠道狹窄、融資數(shù)量少、融資結(jié)構(gòu)不合理、融資成本高等。如果這種現(xiàn)象得不到充分改善，中小企業(yè)將難以持續(xù)快速發(fā)展，會直接影響整個國民經(jīng)濟(jì)的發(fā)展。究其原因，有中小企業(yè)自身原因，更有國家政策方面的原因。本文從其制度背景入手深入分析“融資困難”，最后提出政策性建議和指導(dǎo)實務(wù)改進(jìn)。
關(guān)鍵詞：中小企業(yè),融資背景,困境,信用擔(dān)保, 

ABSTRACT

As a vigorous economic group, small and medium enterprises(SME) are important part of our national economy, with increasing contribution to the national economy continuously since the reform and opening over recent 30 years, and play an increasingly important role in promoting economic growth, creating job opportunity, increasing peasant's income and shifting surplus rural labor. However, the development of the small and medium enterprise face a series of problem, the most serious one among which is the financing problem, such as limited financing channels for SME, few financing amount, irrational financing structure and high financing costs, ect. If this phenomenon are not fully improved, small and medium would not develop sustainedly and rapidly, further affecting the national economy directly. There are reasons as follow: their own reasons for SME, more for reasons of national policy. This paper analyze “financing difficulty” in depth starting with the system background, and Finally, put forward a suggestion about policy recommendations and guidance to improve practical work.
Key words: Small and medium enterprises; Institutional background; Dilemma; Credit guarantee
目   錄
中文摘要 I
英文摘要 II
一 引言 1
二 中小企業(yè)融資困境現(xiàn)狀 1
（一）中小企業(yè)融資結(jié)構(gòu)分析 1
（二）中國小企業(yè)融資困境的具體表現(xiàn) 2
三 中小企業(yè)融資與制度背景的關(guān)系分析 4
四 中小企業(yè)融資困境的制度背景分析 5
（一）中小企業(yè)融資與國家的法規(guī)、政策支持體系 5
（二）中小企業(yè)融資與稅收政策 7
（三）中小企業(yè)融資與信用擔(dān)保體系 9
（四） 中小企業(yè)融資與金融制度 11
五 中小企業(yè)融資制度困境的出路 15
（一）中小企業(yè)融資制度建設(shè)原則 15
（二）完善稅收政策 16
（三）加強(qiáng)信用擔(dān)保體系建設(shè) 16
（四）完善金融制度 17
六 總結(jié) 20
參考文獻(xiàn) 21
致    謝 22