【作者】 景云霞；

【导师】 张红芳；

【作者基本信息】 西北大学 ， 国民经济学， 2008， 硕士

【摘要】 河南省是一个农业大省,农业人口众多。在推进河南新农村建设、增加农民收入、提供就业岗位等方面,14多万家中小企业发挥了巨大作用,但这些企业融资难的问题也日益突出,因此对河南省中小企业融资问题进行研究,针对其融资难的成因提出对策和建议,以促使中小企业突破融资瓶颈,健康稳步发展。本文以融资次序理论和生命周期理论为基础,采用问卷调查法、数理统计法等对河南省中小企业融资现状进行了调查分析,通过分析发现河南省中小企业融资渠道狭窄,资金来源主要是内源性融资,如需外源性融资首选银行信贷资金,而银行出于风险规避和成本考虑惜贷想象严重,企业只能寻求高利率的民间资金。导致中小企业陷入融资困境的因素主要有:缺乏专门为中小企业服务的银行、担保体制不健全和企业自身信用意识淡漠、财务状况不透明等。结合河南省的现状,提出解决中小企业融资难题主要应采取以下对策:一方面中小企业要提升自身经营管理水平、强化信用意识、建立和谐的银企关系;另一方面政府政策予以适当的扶持或政策上的倾斜、更利于中小企业的发展,同时建立民间中小银行和多层次的资本市场,满足不同发展阶段的中小企业的融资需求,推动中小企业健康稳步发展。更多还原

【Abstract】 Henan is a large agricultural province and has big agricultural population. 140,000 small and medium-sized companies play an important role in several aspects. For example, they improve the development of rural area in Henan, increase the income of peasants and provide many work opportunities. However, these small and medium-sized companies tend to have more financing problems. Hence, it will be necessary to do some research on the financing problems of small and medium-sized companies in Henan province so that some feasible solutions and suggestions could be proposed to solve the financing problems of small and medium-sized companies.Based on the theory of financing sequence and life-cycle theory, questionnaire and mathematical statistics are used in this paper to investigate and analyze the financing situation of small and medium-sized companies in Henan province. From the analysis, it has been identified that the financing channel for small and medium-sized companies in Henan province is narrow. Financing source for small and medium-sized companies in Henan province is mainly from inside. If they need outside financial support, they would prefer the loan from bank. Unfortunately, the banks tend to refuse on the consideration of risk avoidance and cost. The small and medium-sized companies in Henan province have to look for high-interest-rate private funds. There are several factors which are responsible for the financing problems of small and medium-sized companies in Henan province. Firstly, there is lack of banks which only provide service to small and medium-sized companies. Secondly, guarantee system in our country is not sound. Last but the least, the companies are lack of credit awareness. Therefore, possible solutions to solve the financing problems of small and medium-sized companies in Henan province are put forward. On the one hand, the small and medium-sized companies in Henan province need to improve the management level, strengthen the credit awareness and build harmony relationship between companies and banks; on the other hand, government should offer proper policies support to small and medium-sized companies in Henan province and help to establish small and medium-sized private banks and multi-level capital market. As a result, the financing demand of small and medium-sized companies on the different stage could be met and the development of small and medium-sized companies will be promoted.更多还原