【作者】 席楠；

【导师】 张存刚；

【作者基本信息】 兰州商学院 ， 金融学， 2007， 硕士

【摘要】 大力发展中小企业是一个长期性、国际性的话题。中小企业问题在各国或地区的社会发展稳定中具有重要的战略意义。目前，它们在扩大就业、增加收入、稳定社会以及优化产业结构方面发挥着重要作用，中小企业在国民经济中的重要作用和地位越来越明显，因此日益成为经济体系的热点。该论文首先明晰相关概念，提出科学界定中小企业的标准，综述当前企业融资基本理论，然后比较分析中小企业融资的国际经验。文中给出金融结构的定义，在此基础上分析我国金融结构的变迁过程并找出我国金融结构变迁的特点。研究得出的结论是，我国的金融结构是失衡的，即中国的金融结构是以政府为主导、国有银行为主体、间接融资占优势的单一结构体系。基于此进一步分析我国金融结构的变迁对中小企业融资方式产生的影响，失衡的金融结构造成了中小企业融资的瓶颈，无法帮助企业形成有效的公司治理结构。本文针对中小企业融资难问题提出了构建多元化、多层次的复合共生型中小企业融资体系，即从中小企业提高自身素质，改善商业银行经营管理方式，不断进行金融创新，建立多层次资本市场体系，深化信用担保体系和建立正规金融与民间金融互补体系等方面，拓宽中小企业融资渠道，达到解决中小企业融资难的目的。更多还原

【Abstract】 It is an old international topic to develop the Small and Medium-sized Enterprises (SMEs) energetically. The problems of the SMEs have important strategic meanings to the social stabilization and development in the various countries or area. At present, on aspects of creating more occupations, increasing income, making our society more stable and optimizing industry structure, the SMEs have significant functions. The important function of SMEs and position in the economy are more and more obvious. The SME is becoming the focus of the economic system day by day.This thesis firstly clears the correlative conceptions, puts forward the standards of scientifically defining SMEs of our country, and synthetically analyzes the present basic theories of enterprises financing. Then this thesis carries our comparative analysis on international experience of the financing of SMEs. Then it defines what finance structure is used in the thesis. On the basis of this concept it analyzes how Chinese finance structure develops and what its characteristics of the development are. Through above-mentioned analysis, the thesis finds that the structure of our country is unbalanced, that is the SMEs’ financing of our country followed the single structure system of taking the government as the leading, national banks as the main body and indirect financing as the dominant part. Then the thesis further analyzes the affects on enterprises financing brought by it. The unbalanced finance structure brings the SMEs bottleneck, doesn’t help enterprises build up effective corporate governance.Aiming for the hard financing problem of SMEs, the thesis puts forward constituting the multi-arrangement financing system, that is strengthen SMEs’ quality , perfect banking service system, make finance innovation continuously, construct SME multiplex security system, promote the credit guaranty system, construct the financing system of normal finance and folk finance which are mutual supplement. Through above-mentioned financing systems, they may wider the source channels and solve the financial problems confronted by SMEs.更多还原