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1、本科生畢業(yè)論文中小企業(yè)融資存在的問題及對(duì)策---以溫州中小企業(yè)為例院系名稱會(huì)計(jì)學(xué)院姓 名學(xué) 號(hào)?! I(yè)會(huì)計(jì)學(xué)指導(dǎo)教師教授2012年5月20日摘要改革開放以來,我國中小企業(yè)發(fā)展十分迅速,特別是中國加入世貿(mào)組織后,我國的中小企業(yè)如雨后春筍,迅速的發(fā)展壯大起來,并成為了我國國民經(jīng)濟(jì)增長的主要力量,在解決就業(yè)壓力、維護(hù)社會(huì)穩(wěn)定、推動(dòng)經(jīng)濟(jì)發(fā)展和社會(huì)進(jìn)步等方面都發(fā)揮著不可替代的重要作用。然而,相對(duì)于中小企業(yè)龐大的數(shù)量,其融資環(huán)境卻一直不太理想,特別是自金融危機(jī)爆發(fā)后,廣大的中小企業(yè)由于國際經(jīng)形勢(shì)的惡化造成企業(yè)效益日益下降,面對(duì)當(dāng)前舉步維艱的狀況,許多的中小企業(yè)開始想盡辦法進(jìn)行融資,但是由
2、于國內(nèi)融資市場(chǎng)的不完善,不健全使得融資難已經(jīng)成為制約廣大中小企業(yè)生存和發(fā)展的重要因素。因此如何在短時(shí)間內(nèi)改善中小企業(yè)的融資環(huán)境,解決其融資難的問題,對(duì)于促進(jìn)中小企業(yè)的健康成長以及確保國民經(jīng)濟(jì)的穩(wěn)定發(fā)展具有十分重要的意義。本文結(jié)合時(shí)下最熱點(diǎn)的溫州中小企業(yè)融資難問題來具體深入的分析當(dāng)下中小企業(yè)所面臨的困境是如何形成的,并借助這個(gè)案例詳細(xì)的闡述中小企業(yè)在今后的發(fā)展中如何解決這一問題以及政府在中小企業(yè)發(fā)展中所應(yīng)當(dāng)發(fā)揮的重要作用。關(guān)鍵詞:中小企業(yè);融資;信用擔(dān)保IVAbstractSincethereformandopeningup,themediumandsmallenterprises
3、inChinaisdevelopingveryrapidly,especiallyafterChina'sentryintotheWTO,themediumandsmallenterprisesinChinahavemushroomed,andrapiddevelopmentofthegrowing,andbecameanationaleconomicgrowthinChina'smainpower,insolvingtheemploymentpressure,maintainsocialstabilityandpromoteeconomicdevelopmentandsocia
4、lprogress,playsanirreplaceablerole.However,relativetothenumberofsmallandmedium-sizedenterprisehuge,itsfinancingenvironmentbuthasnotbeenveryideal,especiallysincethefinancialcrisis,vastnumberofsmallandmedium-sizedenterpriseduetothedeteriorationoftheinternationalsituationcausedbytheenterpriseben
5、efitdeclining,facingthecurrentropeystatus,manysmallandmedium-sizedenterprisebegantotrytheirbesttofinance,butbecauseofdomesticfinancingmarketimperfections,isnotsoundmakesfinancinghasbecomesmallandmedium-sizedenterprisesrestrictedthesurvivalanddevelopmentofimportantfactors.Sohowtoinashorttime,i
6、mprovethesmallandmediumenterprisefinancingenvironment,solvetheproblemofthefinancingforsmallandmedium-sizedenterprisestopromotethehealthygrowthofthenationaleconomyandensurethestabledevelopmenthastheveryvitalsignificance.CombiningwiththehotspotnowadaysmostWENZHOUsmallandmedium-sizedenterprisesf
7、inancingproblemsspecifictotheanalysisofthepresentthedifficultiesfacedbysmallandmedium-sizedenterprisesishowtoform,andwiththeaidofthiscasedetailsmallandmedium-sizedenterprisesinthedevelopmenthenceforthhowtosolvetheproblem,andthegovernmentinthe