毕业论文（2013届）题目我国中小企业融资中存在的问题及原因探析学院xxxx专业工商管理年级2009级学生学号xxxx学生姓名指导教师摘要长期以来,中小企业的发展在我国国民经济建设中发挥了重要的作用,但是它的发展却受着资金的制约，解决中小企业融资难的问题已经迫在眉睫。因此要对我国中小企业融资中存在的问题及其成因进行剖析并制定出相应的措施。本文对中小企业融资现状和融资困难的原因，分别从国家宏观政策、金融体系、企业自身素质三个方面进行分析,得出我国中小企业的社会金融体系不够完善、信用担保不成熟、中小企业信息不对称、自身体制不健全、信用度低等都是造成中小企业融资困难的主要因素。并在借鉴国外经验的基础上，结合我国国情，提出要从中小企业自身抓起，切实提高企业总体素质，同时加速建立多层次、全方位、完善的中小企业融资支持体系和健全的经营机制，改善中小企业融资的宏观政策环境，才能保障中小企业健康快速的发展，促进我国国民经济的发展。【关键词】：成因分析，对策，融资渠道，信用担保体系，政策性金融机构AbstractForalongtime,small-mediumsizedenterpriseshaveplayedimportantrolesindevelopmentofnationaleconomyconstruction.However,therearemanyfactorsrestrainingdevelopmentofsmall-mediumsizedenterprisesinChina,speciallyfinancingbottle-neck.Itisnecessarytosettletosolvethefinancingproblem.First,weshouldanalyzethefinancingproblemsofsmall-mediumsizedenterprisesandmakecorrespondingsteps.Thispapermainlyanalyzethepresentingconditionsandthecausesoffinancingplightfromthefollowingthreeaspects:Nationalmacro-policy、Financialsystem、qualityoftheenterprisesitself,thenwecometotheconclusion.Theyaretheprincipalfactorswhichmakethesmall-mediumsizedenterpriseshardtofinance,suchastheimperfectionsocialfinancingsystem、immaturityofcreditwarranty、asymmetricinformationoftheenterprises、unsoundsystemofenterprisesthemselves、thelowcreditsandsoon.Onthebasesofbenefitingfromforeignexperiencesandfundamentalrealitiesofourcountry,wewillgetdowntoimprovethequalityoftheirown.Atthesametime,wealsoacceleratetobuildmulti-levels,all-dimensional,perfectsupportivefinancingsystemandimprovethemacro-policyenvironment.Inthiscase,wecanensurethequickandhealthydevelopmentofsmall-mediumsizedenterprisesandevenourwholenationaleconomy.【Keywords】:geneticanalysis,countermeasure,financingchannel,Creditguaranteesystem,Thepolicyfinancialinstitution2目录1我国中小企业融资的现状...................................................................................................12中小企业融资难的成因分析..............................................................................................22.1企业自身整体素质的因素....................................................................................................22.1.1中小企业规模小、实力弱、经营风险高.....................................................................22.1.2中小企业财务制度不规范、信息透明度低、信用观念不强，导致融资成本高.....22.1.3抵押市场不发达，中小企业缺乏适宜的可抵押资产，影响间接融资.....................32.2我国金融体系的因素............................................................................................................32.2.1金融机构向中小企业贷款的激励机制不足.................................................................32.2.2缺乏专门服务于中小企业的金融机构.........................................................................42.2.3缺乏通畅的直接融资渠道.............................................................................................42.3国家宏观政策因素...................
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