题目 专业 姓名 学号 指导教师起讫日期

继续教育学院 毕业设计（论文）

建设项目的计价与控制研究

会计学 王小二 5191211120 李大成

2015.12.20～2016.05.10

2016年 05月10日

南京工业大学本科生毕业设计（论文）

我国中小企业融资的现状与对策研究

摘要

据统计，我国中小企业创造的最终产品和服务价值占国内生产总值的比重超过60%，纳税总额占国家税收总额的一半以上，完成了60%以上的发明专利和80%以上的新产品开发，无可争议地占据了我国经济版图的“半壁江山”。中小企业数量庞大，遍布各行各业，已经成为我国经济体中最具创新、最具活力、最具潜力的市场主体，在促进国民经济发展、解决就业、增加财政收入等方面都发挥着不可替代的作用。国家也高度重视中小企业的发展，把促进中小企业发展作为国家发展战略的重要组成部分，把扶持中小企业发展作为一项重要的经济政策。但是，中小企业“强势弱位”的状况没有得到根本改观，尤其是融资方面，对经济的贡献与其获得的金融支持极不对称。由于中小企业规模小、实力弱、资金少，在当前金融危机的影响下，中小企业融资陷入更加尴尬的境地，很容易产生资金链断裂、融资困难，甚至面临破产的风险。近年来中小企业融资困难的问题逐渐成为制约我国经济发展的一个关键因素，如何解决中小企业融资难的问题已成为当前政府及金融界关注的热点。

关键字：中小企业；融资；困难

I

Abstract

Research on the Financing Actuality and Countermeasure of Chinese Small

and Medium-sized Enterprises

Abstract

According to statistics, the final product and service value created by China's small and medium enterprises accounted for the proportion of GDP more than 60%. The total tax of SMEs accounted for more than half of the country's total tax. SMEs in China completed the more than 60% of invention patents and more than 80% of new product development. So, the SMEs indisputably occupied the half of our country's economic territory. The number of SMEs is quite large and it involved in all walks of life. The SMEs have become the most innovative, the most dynamic and the most potential market players in China's economy. It plays an irreplaceable role in promoting national economic development, solving employment, increasing financial income and so on. Countries also attach great importance to the development of SMEs. Promoting the development of SMEs has being an important part of the national development strategy, and supporting the development of SMEs has being an important economic policy. However, the \advantage and weak status\situation of SMEs has not been fundamentally changed, especially in financing. Its contribution to economy and financial support is extremely asymmetric. Under the impact of the current financial crisis, due to the small size, weak strength, less capital, SMEs' financing falls into a more embarrassing situation. It would be easy to occur to capital chain rupture, have more difficulties in financing, and even face the risk of bankruptcy. In recent years, the financing difficulties of SMEs have gradually become a key factor restricting the development of China's economy. How to solve the problem of financing of SMEs has become the focus of attention of the current government and financial sector.

Key Word:Small and medium-sized enterprises; Financing; Difficulty

II

南京工业大学本科生毕业设计（论文）

目录

摘要 ............................................................. I Abstract ........................................................ II 第一章 绪论 ...................................................... 1

1.1 研究意义 ........................................................... 1 1.2 概念界定 ........................................................... 2 1.3 文章架构 ........................................................... 3

第二章 中小企业融资的研究现状 .................................... 4

2.1 国外中小企业融资的研究现状 ......................................... 4 2.2 国内中小企业融资的研究现状 ......................................... 5 2.3 文献综述 ........................................................... 6

第三章 我国中小企业的融资现状 .................................... 7

3.1 融资渠道 ........................................................... 7 3.2 融资方式 ........................................................... 7 3.3 融资特点 ........................................................... 9

第四章 我国中小企业融资困境分析 ................................. 10

4.1 我国中小企业融资的困境分析 ........................................ 10 4.2 我国中小企业融资困境的原因分析 .................................... 11

第五章 新常态下我国中小企业融资面临的机遇和挑战 ................. 15

5.1 新常态下我国中小企业融资面临的机遇 ................................ 15 5.2 新常态下我国中小企业融资面临的挑战 ................................ 16

第六章 解决我国中小企业融资难的对策分析 ......................... 18

6.1 政府方面的建议 .................................................... 18 6.1 金融机构方面的建议 ................................................ 19 6.1 企业方面的建议 .................................................... 20 6.1 社会方面的建议 .................................................... 21

结语 ............................................................ 23 参考文献 ........................................................ 24 致谢 ............................................................ 25

III