【作者】 杨建波；

【导师】 李豫湘；

【作者基本信息】 重庆大学 ， 工商管理， 2007， 硕士

【摘要】 改革开放以来,我国中小企业取得了高速的发展。中小企业对于增加就业、发展经济发挥着重要的作用,中小企业已成为我国经济中非常重要的组成部分。世界各国都非常重视中小企业的发展。中小企业在发展过程中遇到最大的问题之一就是融资困难,中小企业融资困难是一个世界性的难题。本文首先对河北大午集团的融资案例进行了分析;接着我国中小企业的发展状况和融资现状。我国中小企业融资表现出融资渠道单一,主要依靠内源性融资和企业间信用,而通过银行和资本市场很难获得企业发展所需的资金;通过经济学相关理论对中小企业融资困难进行了分析,指出信息不对称是引起中小企业融资困难的根本原因;然后从中小企业本身、金融体系、政府和信用担保体系等四个方面详细分析了我国中小企业融资难的具体成因;通过分析美国、日本、德国和台湾四个国家(或地区)解决中小企业融资难的先进模式和经验,并结合我国的具体情况,提出了解决我国中小企业融资困难的对策,并指出大力发展直接融资渠道和建立适合中小企业融资的中小金融机构是解决我国中小企业融资困难的根本出路。文章的主要结论对中小企业融资及逐步解决我国中小企业融资难的问题有借鉴意义。更多还原

【Abstract】 Since the reform and opening, the small and medium-sized enterprises (SMEs) in our country, China, has been developing enormously. SMEs provide an important effect on employment and the development of economy. They have become a significant role in Chinese economy. Therefore, all of the governments around the world are paying attention to the development of SMEs. However, one of the difficulties here is the finance, which is also a global problem.In the beginning, the writer did a research on the financing case of Hebdi Dawu group and the development and current financial situation of SMEs in China. The latter is characterized by the simplicity of financing channels -the inner source financing and credit among enterprises, but SMEs cannot attain enough capital for its development from the bank institutions as well as the capital market. Then from analyzing the cause of SMEs financing difficulty by economics theory, the writer point out that the asymmetric information is the radical cause. The writer has also analyzed the cause of SMEs financial difficulty in detail from four aspects, which are the enterprises, the financial, the government and the credit system. After that, the writer brought forward the countermeasure to resolve financial difficulties of SMEs. This is done by analyzing the advanced pattern and experience adopted from some of the developed countries such as USA, Japan, Germany and Taiwan, which are united with concrete conditions of our country. It expands direct financing channels greatly and increases the small and medium-sized bank institutions that are suitable for the finance of SMEs.There is some positive significance for SMEs to finance and to solve the financial problem gradually of SMEs in our country from the main conclusion of the dissertation.更多还原