我国中小企业信贷融资问题分析与对策探讨

四川大学锦城学院本科毕业论文 我国中小企业信贷融资问题分析与对策探讨

我国中小企业信贷融资问题分析与对策探讨

专业:金融学

学生：杨禹 指导老师：袁昌菊

摘 要

在我国，中小企业已成为推动国民经济发展的重要力量之一，改变着市场的多样性，

带来国民经济的活力。中小企业起了至关重要的作用：一方面,加强了国家整体经济实力,提高国家在全世界的地位；另外一方面,中小企业解决了国内的诸多问题,如产业升级问题,劳动力过剩等问题,然而中小企业却在自身发展过程中遇到了诸多的问题,大多数问题却都没有很好的得到解决,以至于目前很多中小企业的发展面临着很大的风险,这些问题绝大多数都是融资问题导致的,想解决根本问题，研究融资问题是解决中小企业发展的首要任务，然而制约着中小企业融资问题有很多方面的因素，如银行、政府、金融机构和中小企业自身等方面的原因。

本文从中小企业来看必须树立好企业形象，改善企业的财务制度和管理制度，树立品牌意识和提高市场认知度；从政府角度来看，加强中小企业的信用评级，建立完整的信贷体系，于此同时积极鼓励中小企业加强金融的创新；从银行等金融机构角度来看，要从新审视中小企业的融资业务，建立新的信用评价和风险评估标准体系，同时也要改进贷款管理制度。探讨解决的思路和方法，希望能为我国中小企业发展提供一些有利的启示。 关键词：

问题 解决对策

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四川大学锦城学院本科毕业论文 我国中小企业信贷融资问题分析与对策探讨

Analysis and Countermeasures of the financing problem

of small and medium-sized enterprises in China

Professional: Finance

Student: Yang Yu Instructor: Yuan Changju

Abstract

In our country, the small and medium-sized enterprise has become one of the important

forces to promote the development of national economy, changing the diversity of market economy, bring the vitality. Small and medium-sized enterprises play a crucial role: on the one hand, to strengthen the country's overall economic strength, to improve the status of countries in the world; on the other hand, small and medium-sized enterprises to solve many problems at home, such as upgrade, surplus labor problem, however small and medium-sized enterprises in their development process encountered many problems, most of the problems are not well solved, so that the development of many small and medium enterprises faces great risk, most of these problems are caused by financing problems, to solve the fundamental problem, to study the financing problem is the primary task to solve the development of small and medium-sized enterprises, but restricts the financing problem of small and medium-sized enterprises there are many factors the reason, such as bank, government, financial institutions and small and medium-sized enterprises etc..

In this paper, from the small and medium-sized enterprise must set a good corporate image, improve the financial system and management system of enterprises, establish brand awareness and enhance the market awareness; from the point of view of government, strengthen the SME credit rating, the establishment of a complete credit system, at the same time the product innovation of small and medium-sized enterprises to strengthen financial; from the point of view of banks and other financial institutions, to look at the small and medium enterprises from the new financing business, establish new credit evaluation and risk evaluation standard system, but also to improve the loan management system. To explore the ideas and methods to solve, and hope to provide some beneficial enlightenment for the development of small and medium-sized enterprises in china.

Keywords: financing problem small and medium-sized enterprises enterprise solutions

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四川大学锦城学院本科毕业论文 我国中小企业信贷融资问题分析与对策探讨

目 录

1导论

1.1论文的背景及意义...................................................1 1.2文献综述...........................................................1 1.3论文的思路及主要内容...............................................1 1.4论文重点及难点.....................................................2 2中小企业信贷融资问题的一般理论分析......................................2 2.1中小企业信贷融资的特征.............................................2 2.2中小企业信贷融资的渠道.............................................2 2.3中小企业信贷融资的种类.............................................3 2.3.1银行贷款......................................................3 2.3.2融资票据融资..................................................3 2.3.3委托贷款......................................................3 2.4中小企业信贷融资的意义.............................................4 2.4.1为企业投资提供保障............................................4 2.4.2是企业发展壮大的需要..........................................4 2.4.3是弥补企业日常经营资金缺口的需要..............................4 3我国中小企业信贷融资的发展历程..........................................5 3.1我国中小企业信贷融资的发展历程.....................................5 3.2中小企业信贷融资的现状.............................................5 4我国中小企业信贷融资问题及分析..........................................5 4.1对于中小企业自身而言...............................................5 4.1.1中小企业信用等级较低..........................................6 4.1.2中小企业贷款的管理成本较高....................................6 4.1.3中小企业市场化程度较低........................................6 4.2对银行等金融机构而言...............................................7 4.2.1银行对中小企业支持力度不够....................................7 4.2.2银行信贷风险管理制度存在缺陷..................................7 4.3对于各级政府而言...................................................8

4.3.1政府对担保行业发展扶持不够....................................8

4.3.2政府对中小企业融资渠道开启不足................................8 4.3.3政府对中小企业立法滞后........................................8 5解决中小企业信贷融资问题的对策..........................................8

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四川大学锦城学院本科毕业论文 我国中小企业信贷融资问题分析与对策探讨

5.1对于中小企业自身而言..............................................8 5.1.1树立企业良好形象.............................................8 5.1.2改善中小企业的管理体制.......................................9 5.1.3完善中小企业财务制度........................................10 5.1.4树立品牌意识，提高市场认知度 ...............................10 5.2对于各级政府而言..................................................10 5.2.1制定相应的支持政策 .........................................10 5.2.2建立完善信贷支持体系........................................11 5.2.3加大企业进行金融创新的力度..................................11 5.2.4加强对中小型企业的信用评级..................................11 5.3对银行等金融机构而言..............................................12 5.3.1重视对中小企业的融资业务 ...................................12 5.3.2建立新的信誉评价和风险评估标准..............................12 5.3.3改进贷款管理................................................12 6结语

参考文献...........................................................13 致 谢..............................................................14

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