目 录
摘 要
改革开放以来，中小企业发展十分迅速，并且在我国经济生活中所处的地位和所占的份额也越来越重要。根据国家发展改革委的统计，中小企业所创造的最终产品和服务的价值占全国国内生产总值的60%左右，生产的商品占社会销售总额的60%，上交的税收己经超过我国税收总额的一半，而浙江作为我国的经济发展突出的大省来说，城镇就业岗位中有80%左右是由中小企业提供的。但融资难长期以来一直是制约浙江中小企业发展的一大瓶颈，浙江中小企业获得的银行贷款只占贷款总额的30%不到；同样，这也是广大发展中国家的中小企业共同面临的一个问题。典当融资作为一种比较新型的融资方式，随着整个经济环境和社会环境的巨大变化。本文从典当融资的角度出发，力图从理论上探讨典当融资对于缓解浙江中小企业融资约束的可行性，并通过分析典当融资所具有的功能优势，为典当业发展和深化浙江中小企业融资服务提出了一些对策和建议。
Abstract
Since the reform and opening up, the medium and small enterprises in China is developing very rapidly, and in the country’s economic life of the position and the share of more and more important. According to the national development and reform commission of statistics, small and medium enterprises to create the final products and services of value accounted for about 60% of GDP, and the production of goods accounted for 60% of the total amount of social marketing, delivers the tax has been more than half of the total amount of the tax, and zhejiang as the economic development of our country and prominent province for, zhejiang town jobs in 80% or so is by small and medium-sized enterprises provide. But financing has long been a restriction of the development of smes bottlenecks, in small and medium-sized enterprises in zhejiang get bank loans accounted for only 30% of total loans less than； Also, this also is the developing countries of small and medium-sized enterprises facing a problem. Hock financing as a kind of more new financing way, with the economic environment and the great changes in social environment, to pawn the survival and development of the industry has become a new challenge. This paper, from the point of view of the financing pawn, in this paper tries to pawn to relieve financing smes financing constraints of feasibility, and through the analysis hock financing as the function of advantages, for developing and deepening pawnbroking smes financing service puts forward some countermeasures and Suggestions.
Keywords: ZheJiang, SMEs, financing pawn
