基于在持续发展的中小企业的融资问题研究
摘 要
中小企业是中国经济的重要组成部分,在我国的国民经济和社会生活中发挥着举足轻重的作用。中小企业不仅为我国的经济发展做出了重大贡献,而且还对我国的社会稳定和实现可持续的发展起到了积极作用。然而中小企业融资难问题却一直得不到实质性的改善,制约着中小企业的发展,目前仍有70%的中小企业面临融资困难,从而制约中小企业实现可持续发展的瓶颈。尤其是2008年后,国际金融危机使我国中小企业融资难问题进一步显现,给亚洲地区经济发展以及中小企业的可持续性带来了严峻挑战。对此,为了尽快的实现我国的可持续发展目标,我们需要采取一些可持续发展的政策,确保跟上市场变化的节奏,政府必须考虑进行一些支持中小企业融资发展的决策来满足需求。”所以本文首先分析了中小企业的相关理论知识,其次阐述了目前我国中小企业融资的现状以及融资难的原因,最后针对中小企业融资难的现状和原因提出一些解决的办法,并希望这些对策的提出对可持续发展下的中小企业融资问题的解决有一定的帮助。
The Research on Small and Medium-sized Enterprise Financing Problem and Sustainability
Abstract
Small and medium-sized enterprises are an important part of China’s economy, in the national economy of our country and social life play a decisive role. Small and medium enterprises not only for China’s economic development made a significant contribution, but also to our country social stability and sustainable development has played a positive role. However, the problem of financing SMEs have not been substantially improved, restricting the development of small and medium-sized enterprises, there is still a 70% small and medium-sized enterprises face difficulties in financing, which restricts the small and medium-sized enterprises to realize sustainable development bottleneck. Especially after 2008, the international financial crisis, China small medium enterprise financing difficulty is shown further, to the Asian region economy development and small and medium-sized enterprise’s sustainable brought grim challenge. Regarding this, as soon as possible in order to achieve the sustainable development of our country, we need to take the policy of sustainable development, ensure to keep up with market changes in the rhythm, the government must take some support the development of small and medium enterprises to meet the needs of the decision.” So this paper analyzes the small and medium-sized enterprises of the relevant theoretical knowledge, secondly elaborated at present our country small and medium-sized enterprise financing present situation and reasons of financing difficulty, finally the status of financing for SMEs and the reasons put forward some solutions, and hope that these countermeasures on sustainable development of medium and small enterprises financing problems have with the help of.
Key words: Sustainable development; Small and medium sized enterprises; Financing;
Countermeasure
目 录
一、引言……………………………………………………………………………………………………………………… 2
(一)研究背景……………………………………………………………………………………………………………. 2
(二)研究目的……………………………………………………………………………………………………………. 2
(三)研究意义……………………………………………………………………………………………………………. 2
二、相关理论概述…………………………………………………………………………………………………………. 3
(一)中小企业的界定…………………………………………………………………………………………………… 3
(二)中小企业融资和可持续发展的………………………………………………………………………………… 4
1.中小企业融资的定义………………………………………………………………………………………. 4
2.可持续发展的定义…………………………………………………………………………………………. 4
(三)我国发展中小企业的意义………………………………………………………………………………………. 5
三、中小企业融资困难的现状及成因………………………………………………………………………………… 5
(一)中小企业融资难的现状…………………………………………………………………………………………. 5
1.中小企业贷款困难…………………………………………………………………………………………. 5
2.自有资金不足,外部融资需求强烈……………………………………………………………………. 6
3.中小企业贷款风险多………………………………………………………………………………………. 6
(二)中小企业融资难的成因分析…………………………………………………………………………………… 7
- 企业缺少融资途径,信用意识薄弱………………………………………………………………….. 7
- 国家对中小企业信用歧视,缺乏必要的金融服务中介机构…………………………………… 8
- 贷款制度严格,信用担保体系不完善………………………………………………………………. 9
(三)案例分析——启明公司融资难为例………………………………………………………………………… 10
1.启明融资背景……………………………………………………………………………………………… 10
2.启明公司财务分析……………………………………………………………………………………….. 11
3.启明公司融资存在的问题………………………………………………………………………………. 13
4.启明触资方案及启示…………………………………………………………………………………….. 13
四、从可持续发展角度谈解决中小企业融资困境的对策……………………………………………………… 14
(一)提高中小企业自身素质,增强中小企业融资实力……………………………………………………… 14
1.拓展中小企业直接融资渠道,促进可持续发展的实现…………………………………………. 14
2.努力构建自身的信用形象,形成良好银企关系………………………………………………….. 15
(二)加强国家政策方面的建设,为实现可持续发展做保障……………………………………………….. 15
1.加强国家对中小企业信用方面的重视………………………………………………………………. 16
2.加快建设金融服务中介机构,………………………………………………………………………… 16
(三)完善银行相关政策的改进,促进可持续的发展………………………………………………………… 16
1.改革银行组织结构和银行信贷管理方式……………………………………………………………. 16
2.加快信用担保体制的建设………………………………………………………………………………. 17
五、结论……………………………………………………………………………………………………………………. 17
参考文献……………………………………………………………………………………………………………………. 19
谢 辞………………………………………………………………………………………………………………………. 20