浅析成都市中小企业融资难原因及对策

浅析成都市中小企业融资难原因及对策(论文9100字)
摘要：
    随着中国改革开放30年来一个个五年计划的开展，中小企业在全国各大城市如雨后春笋般踊跃而出，逐渐成为国民经济的重要支柱。但现今资本市场尚不成熟，无法为中小企业这个新生事物提供良好的发展环境，造成中小企业发展受阻，而融资难问题成为中小企业发展道路中的“瓶颈”。成都市作为四川省核心发展城市，中小企业的经济价值占成都市总经济价值的75%，成都市政府对中小企业发展开始高度重视，出台一系列法律法规、优惠政策加大扶持推动中小企业的发展，但融资难问题仍是其发展局限性所在。本文以成都市中小企业为例，结合中小企业融资难的普遍性与成都市中小企业发展模式的特殊性，从企业自身、金融机构、政府中介三方面分析造成成都市中小企业融资难的原因，并具体问题具体分析，探讨相应的解决对策，为成都市中小企业后期的融资发展提供合理化的借鉴和参考。

关键词：成都市   中小企业   融资难问题   原因    对策
毕业论文外文摘要

Title  Reasons and Countermeasures for the Financing Difficulty of Small and Medium-sized Enterprises in chengdu

Abstract
After carrying out the Reform and Opening-up policy, with the launch of national five-year plan one by one, SMEs spring out enthusiastically and become an important pillar of the national economy gradually. But,the capital market not mature,which can not provide timely and effective economic and political environment for the development of newborn SMEs. Then,the development of SMEs is hindered, and financing difficulties become a “bottleneck” in the path of SMEs’ development. Chengdu is the key development city in Sichuan, the economic value of SMEs accounted for 75% of the total economic value of Chengdu. Chengdu government start paying highly attention to SMEs’ development, carrying out a series of laws and preferential policies, increasing support to promote SMEs’ development. But, financing difficult problem is still the development limitations. This paper takes SMEs in Chengdu as an example, combining with universality of SMEs financing difficulties and particularity of Chengdu SMEs’ development model, from enterprises themselves, financial institutions and government mediation three aspects analyzes the reasons for the financing difficulties of SMEs in Chengdu, making a concrete analysis of a concrete problem and discussing the corresponding solutions ，to provide rationalization of reference for the latter part of SMEs financing development in Chengdu.
 Key words: Chengdu  small and medium-sized enterprise  financing difficulty    reason  countermeasure

目    录
1 引言    3
2 成都市中小企业发展现状    4
2.1 成都市中小企业发展概况    4
2.2 成都市中小企业融资特点    4
2.3 成都市政府对中小企业融资做出的努力    5
3成都市中小企业融资难的主要成因分析    5
3.1 企业微观环境层面    5
3.2 金融机构环境层面    6
3.3 政府及中介层面    6
4 解决成都市中小企业融资难的对策分析    7
4.1 企业微观环境层面    7
4.2 金融机构环境层面    8
4.3 政府及中介层面    9
结论    11
参考文献    12
致谢语    13