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2B081505陈波_论金融危机背景下的中小企业融资对策_张克英_副教授.doc.I[摘要]中小企业是改革开放后出现的新的企业群体，对我国国民经济和社会发展做出积极贡献。随着我国经济体制改革的深入，中小企业的经济权将持续增加。中小企业是城市经济的主力军，满足内需的主保障，社会就业的主渠道，农民增收的主版块，结构调整的主载体，科技创新的主动力。其稳定而持续的发展对国民经济的稳定，市场经济体制的完善，国家经济的整体竞争力乃至社会的安定均具有广泛而深远的意义。但是，融资难的问题一直制约着中小企业的发展，目前中国的中小企业正处于资本快速积累、规模快速扩张的阶段，其对于资金的需求巨大。然而，由于中小企业经营规模不大，业绩不稳定，风险大；担保、抵押难，严重制约带快的发放；财务管理与内部治理结构不健全，诚信度普遍较差；经营组织形式的多样性及信息内部化，信息不对称问题突出等诸多因素影响，使得中小企业融资成为难题。本文在分析金融危机背景下中小企业融资难现状的基础上，总结了其他国家扶持中小企业的方案，通过对其他国家扶持中小企业的有效政策的借鉴，最终提出了解决中小企业融资难的新对策，以期解决融资难的问题。关键词：金融危机中小企业融资2B081505陈波_论金融危机背景下的中小企业融资对策_张克英_副教授.doc.II[Abstract]Mediumandsmallenteiprises(MSEs)areanewenterprisescommunityemergedsinceChina`seconomicandsocialdevelopment.。WiththedeepeningofeconomicsystemreforminChina,theeconomicweightosMSEswillcontinuetoincrease.MSEsarethemainforceofurbaneconomy,mainblockforfarmers`incomeincrease,themaincarrierofstructuralandsustaineddevelopmentofMSEshasanextensiveandfar-reachingsignificanceforthestabilityofnationaleconomy,theperfectionofmarketeconomicsystem,theholisticcompetitivenessofthecountry`seconomyandevensocialstability.。However，theproblemoffinancingdifficultyhasbeenrestrictingthedevelopmentofMSEsinChinawhicharecurrentlyinastageofrapidcapitalaccumulationandfastscaleexpansionandareinhugedemandforfunds.However,manyfactorssuchasMSEs`smallerbusinessscaleandlackofstableperformance.biggerrisksanddifficultiesinguaranteeandpledgewhichseriouslythegrantofloans,defectivefinancialmanagementandinternalmanagement,generallylowerdegreeofgoodfaith,diversityofoperationalandorganizationalformsandfailureofexchangeofinformationwithoutside,signficantdissymmetryofinformation...allthesefactorshavemadefinancingadifficultproblemforMSEs.Especiallysincetheoutbreakofglobalfinancialcrisis,theproblemoffinancingbecomeevenmoreofabottleneckforthesurvivalanddevelopmentofMSEs.Basedontheanalysisoffinancialcrisisunderthebackgroundoffinancingofsmallandmedium-sizedenterprisesonthebasisofthecurrentsituation,summaryofothercountriestosupportthesmallandmedium-sizedenterprisesolutions,throughtoothercountriestosupportthesmallandmedium-sizedenterpriseeffectivepolicylessons,finallyputforwardtosolvethefinancingofsmallandmedium-sizedenterprisesandnewcountermeasures,inordertosolvethedifficultproblemoffinancing.Keywords:financialcrisis,Mediumandsmallenterprises,financingKeywords:financialcrisis,Mediumandsmallenterprises,financing2B081505陈波_论金融危机背景下的中小企业融资对策_张克英_副教授.doc.III目录[摘要]................................................................................................................................................I[Abstract].............................................................................................................................................II1绪论..................................................................................................................................................11.1论文研究意义及背...............................................................................................................11.2相关概念内涵........................................................................................................................21.2.1中小企业.....................................................................................................................21.2.2融资.............................................................................................................................31.3相关理论综述........................................................................................................................41.4研究的内容............................................................................................................................42我国中小企业融资现状..................................................................................................................52.1中小企业融资结构的现状....................................................................................................52.1.1中小企业内源融资现状.............................................................................................52.1.2中小企业的外源融资现状.........................................................................................62.1.3中小企业的间接融资现状.......................................................................................102.2我国中小企业融资渠道和融资方式的现状......................................................................102.2.1企业自有资金...........................................................................................................102.2.2金融机构资金...........................................................................................................112.2.3资本市场融资...........................................................................................................112.2.4商业信用融资...........................................................................................................112.2.5民间资金...................................................................................................................112.2.6境外资金.........................................................................................................