【作者】 汪燕；

【导师】 华俊；

【作者基本信息】 华东师范大学 ， 世界经济， 2005， 硕士

【摘要】 中小民营企业在我国国民经济和社会发展中发挥着重要的作用。但中小民营企业的发展却面临诸多制约和阻碍因素,其中融资难是突出矛盾。融资难是世界各国中小企业都面临的问题,而我国中小民营企业不仅会遇到由经济运行本身所带来的不利影响,而且还会遇到经济体制改革过程中的一些制约因素和一些由于金融法规法律的不健全所带来的不利影响。因此,中小民营企业的融资问题在我国表现得更为复杂。本文全面分析了中小民营企业融资难的各方面原因,既有企业自身的原因,也由政府、体制、融资环境方面的原因,既有内因,也有外因,但关键原因在于对中小民营企业的融资弱势,政府缺乏相应的扶持政策。因此要从根本上解决中小民营企业融资难的问题,必须解决制约中小民营企业发展的融资瓶颈,需要政府改革现有经济制度,采取各种扶持措施以形成良好的融资环境,大力发展各种融资渠道,采用多种形式帮助中小民营企业融资。本文共分五个部分,具体内容如下:导论部分主要阐明本文的写作意义和背景,界定了中小民营企业和融资的概念,简单综述了有关民营中小企业的以往研究观点,说明了本文的研究方法。第一章首先分析了我国中小企业的融资特点,然后运用数据从融资结构、信贷融资方面分析了我国中小民营企业融资难的现状。第二章则紧扣民营和中小两个方面,运用金融抑制理论和信息不对称理论从理论的层面解释了民营中小企业融资难的原因。第三章则是结合了我国的具体实际,从企业自身、融资体系、融资环境几个角度实证分析了我国中小民营企业融资难的具体原因,并指出关键原因是政府缺乏相应的政策支持。第四章是发达国家扶持中小企业的政策和经验介绍。第五章则结合前两章我国中小民营企业融资难的原因和对国外的经验借鉴,提出解决民营中小融资难的一些对策。更多还原

【Abstract】 Private-Owned Small-and-Medium-Sized Enterprises(POSMSE) play an important role in our country’s economy and in our social development. But POSMSE are facing many restrictions and hampers during their developing and growing stage, among them financing plight is the prominent problem.Financing problem is a world wide problem that puzzled small-and-medium-sized enterprises,While in our country POSMSE will be influenced not only by economical operation itself but also by some special restrains appeared during our economical mechanism reforming and by the distemperedness of our laws and related regulations .Hence, POSMSE’s financing problem appeared more complicated in our country.This dissertation take an overall analyse on all the reasons for POSMSE hard to get financed . Should Goverment, administration mechanism, and financing circumstance as well as enterprises themselves be blamed for the plight that POSMSE are confronted with. There are inner reasons as well as exterior reasons. Government doesn’t supply corresponding supporting policies towards solving POSMSE’s financing problems. If government want to solve the POSMSE ’s financing problem radically, it must remove the restrictions on POSMSE ’s financing which are slowing POSMSE’s development by reforming present economical system and taking all efforts to form a good financing environment for POSMSE, develop all types of financing channel and take multifold form to help POSMSE to get financed.This dissertation has been divided into six parts which are listed as following:Part one: IntrductionThis is the basic part of whole demonstration research. It gives a general description of this dissertation, its contents include research significance, basic concept & extent delimitation, forepassed document summary, research method.Chapter one : Present status of POSMSE’s financing difficultyFirstly in this part analyse the character of POSMSE’s financing in our country,then use the collected data to analyse the present status of POSMSE’s financing difficulty from different aspects of financing structure, credit financing.Chapter two: Theory analyse of POSMSE’s financing difficultyFrom private-owned and small-and-medium-sized these two characters of POSMSE, explain the reasons of POSMSE’s financing difficulty by using financing restrain theory and information asymmetry theory.Chapter Three: Reason for POSMSE’s financing difficultyOn the basis of our country’s particular conditions, this part gives demonstration analyse on POSMSE’s financing difficulty from aspects such as the enterprises themselves ,financing system, financing environment. And point out the key reason consists in government not supplying supporting policies.Chapter four:Developed countries’ policies and experiences on POSMSEThis part is focused on the introduction of developed countries’ policies and experiences on POSMSE.Chapter five: Measures on solving POSMSE’s financing difficultyOn the basis of the reason analyse of POSMSE ’s difficulty in chapter three and foreign experience borrowing in chapter four, in this part, put forward some measures to solve the difficulty that POSMSE are confronted with.更多还原