【作者】 曾素冰；

【导师】 马忠；

【作者基本信息】 北京交通大学 ， 工商管理， 2012， 硕士

【摘要】 融资困境被公认为困扰中小企业发展的最主要因素之一,也成为困扰世界各国经济理论界、实业界和政府相关部门的世界性难题。中小企业在我国经济发展中的作用和重要地位已被国内许多学者认可和政府的重视,已经成为推动我国经济持续增长、创造就业机会的重要力量。解决中小企业融资难问题,不仅是从根本上解决中小企业自身发展的问题,而且也成为国民经济持续健康发展的重大课题。本文研究的目的是想通过相关理论分析和案例的实证分析,来找出我国中小企业融资难和政府对中小企业融资支持的机制这两者之间的关系。目前,关于中小企业融资分析多包含在中小企业融资问题的研究中。本文试图摆脱中小企业研究的传统模式,通过对中小企业概念的探讨、融资困难原因的理论分析、广州市微小企业融资现状案例分析、比较国际社会解决中小企业融资困难的各种政策手段,从融资体系、担保体系、政府政策支持等方面入手,探索解决中小企业融资困境的办法。通过研究我们发现,中小企业融资难除了内部和外部原因之外,很大程度上是由于政府相关的机制缺少所导致的,笔者认为,政府在解决中小企业融资困难这个问题中起决定性作用,政府应通过对中小企业的分类制定更为详细的标准,从中筛选出政府应予以支持的目标对象,抓大放小,力求有效实现政府职能的同时不干扰市场经济秩序。更多还原

【Abstract】 The difficult situation of financing has been universally recognized as the most important one of the factors that restrains the development of small and medium-sized enterprises, and has already become a world-wide challenge that expleses economic theory community, business community and the relevant government departments in the world. The role and importance of SMEs in the economy development have already been recognized and approved by many mainland scholars, and have been one of the government’s particular attention in China. SMEs have already become an important force in promoting the sustainable economic growth and creating employment opportunities. A fundamental solution of financing difficulty of SMEs is not only hampering their own development, but also a major subject about the sustainable and healthy development of national economy. This paper attempts to find the relationship of government support mechanisms between solutions of SME financing difficulties through theoretical analysis and case studies.At present, most of the researches on micro-enterprises are included in the researches on SME finance. This thesis seeks to get away from the conventional model on SME study, strip micro-enterprise from SME and discuss it separately. After discussion on the definition of SEM, the driver of the problems on SEM financing, the analysis of the current condition of SEMs financing of Guang Zhou, the comparison of the international ways to solve the problem, the thesis seeks to discover new ways to solve the SEMs finance problems from the aspects of, financing system, security system and financial instrument.After expounding SMEs theory, this paper analyze the present situation and problems of SME financing in China, and to find the reason for the existence of SME financing difficulties, in which highlight the negative effect of missing government support mechanisms. We are take a point that the government make an best important pore in this problem. The government started from the classification of small and medium enterprises through the development of a more detailed standards, the Government should support the target objects selected, and to encounter, to implement government functions effectively, at the same time do not interfere with the market economic order.更多还原