【作者】 刘卫东；

【导师】 黄泽民；

【作者基本信息】 华东师范大学 ， 公共管理， 2007， 硕士

【摘要】 我国中小企业在国民经济和社会成长中发挥着越来越重要、不可替代的作用。徐州地处江苏北部，苏鲁豫皖四省交界，淮海经济圈的中心城市，经济总量和发展属江苏欠发达地区。近两年苏北地区的中小企业发展迅速崛起，经济增长速度超过苏南地区，在地区经济总量中的地位越来越重要，2006年全市实现生产总值1428.91亿元，比上年增长15.1％，其中：民营经济完成增加值788.26亿元，比上年增长15.2％，总量占全市GDP的55.2％。中小企业在未来具有广阔的发展空间，帮助其开展各种融资活动，为中小企业发展构建现代金融服务体系，创造顺畅高效的融资渠道，提高金融服务水平，是促进中小企业发展、提升产业层次、激励市场竞争机制和创新机制的重要途径，是促进产业结构调整、实现国民经济持续快速健康发展的有效手段。但是，中小企业在中国融资市场的附属地位与其对经济运行的巨大贡献相比形成了鲜明反差，究其原因有自身及外部环境等多种因素影响，包括自身体制不够健全、融资渠道不够畅通、融资成本过高等一系列问题。融资难的问题已经对中国中小企业的进一步发展构成了瓶颈制约。本文从中小企业的内涵及中小企业在国民经济中的重要作用切入，阐述了目前我国部分地区中小企业的发展概况。并以具有一定代表性的徐州地区部分中小企业为研究对象，分析了现阶段东部欠发达地区中小企业融资面临的瓶颈、问题和困难，主要表现为自身经营管理不善、经济效益不佳、信用意识淡薄、融资能力不足、金融系统的局限即金融市场发展滞后等等。针对这些问题，提出了一些探索性的思路及方法，主要从加强中小企业自身素质、建立健全银行体系、发展民间金融、发展融资租赁、转换政府职能等方面解决融资问题。最后，本文从实践的角度提出当地中小企业融资发展的一些思路，以期对我国同类地区中小企业发展有所作用。更多还原

【Abstract】 Today small and medium enterprises have playing a more and more important and irreplaceable role in China’s national economy and society development. Xuzhou, a center city of Huaihai Economic Zone, located in the northern part of Jiangsu, on the junction of Su Lu Yu Wan, is an undeveloped region in Jiangsu for its total economic output and development. However in recent years, small and medium enterprises have risen rapidly in north Jiangsu, the rate of its economic growth is better than south Jiangsu, thus it has become more and more important in regional economic aggregate. In 2006 the city’s GDP is 1428.91 billion yuan, 15.1% up compared with last year, among which, the growth of privately-run businesses contribute 788.26 billion yuan, 15.2% up compared with last year, accounted for 55.2% of the city’s GDP. Small and medium enterprises have a wide space to develop in future, so to help them develop various financing activities、establish a modern financial service system、create a smooth and highly efficient financing channel and improve the financial service level is an important means to promote the development of small and medium enterprises、upgrade the industry level、encourage the market competition and innovation mechanism, as well as an effective way to reconstruct industrial pattern, to achieve the sustained、rapid and healthy development of national economy. Because of some influences come either from internal or external, such as lack of a sound system、not smooth for financing channel or high cost of financing, there is a sharp contrast between the subsidiary position of small and medium enterprises in China’s financing market and their enormous contribution to economic performance. Financing difficulties have become a "bottleneck constrain" for the further development of China’s small and medium enterprises.The thesis starts with the content and the important role of small and medium enterprises in China’s economy, elaborates general development overview of small and medium enterprises in some regions of our country. In addition, the thesis takes some representative small and medium enterprises of Xuzhou for example, analyzes the "bottleneck problems" that faced by small and medium enterprises in undeveloped regions of present stage. The difficulties mainly lie on their poor management、low economic return、weak credit awareness、insufficient financing ability and the limitations of financial system, that is, the financial market has been slow to develop, etc. To solve these problems there are some exploratory ideas and methods are mentioned in this paper, which are mainly about how to strengthen the own quality of small and medium enterprises、establish a sound bank system、develop civil financing、financing lease and transfer government functions, etc. Finally, the thesis proposes some ideas for the development of small and medium enterprises from practical angle, with a view to help the development of small and medium enterprises in similar regions in China.更多还原