【作者】 付雷；

【导师】 王庆华；

【作者基本信息】 吉林大学 ， 行政管理， 2011， 硕士

【摘要】 在后金融危机时代,中小企业在经济发展中扮演着重要的角色,在经济发展、就业促进、技术创新和维护社会稳定等方面发挥着积极作用。与此相悖的是中小企业在其发展过程中面临着诸多制约因素,其中,资金融通是其发展的瓶颈。如何解决中小企业融资难题成为一个学术讨论的焦点。不可否认的是,中小企业融资的关键是信息不对称问题,因此存在市场失灵,加之中小企业的融资弱势,构成了政府提供政策的合法性基础。尤为重要的是,我国属于政府主导性改革,政府在中小企业融资方面要发挥重要作用。文章主要从中小企业在我国经济发展中的重要作用谈起,分析我国中小企业融资困境,并对造成困境的原因进行了分析,同时借鉴美日两国中小企业融资扶持政策的经验,结合我国的具体国情,提出了七条具体的对策思路:(一)转变发展中小企业的观念;(二)逐步完善中小企业的法律法规;(三)设立独立的专门为中小企业服务的政府机构;(四)改革国有商业银行;(五)建立以地区特点为基础的中小企业金融服务体系;(六)完善以政府信用为主导的担保体系;(七)不断发展完善证券市场制度。更多还原

【Abstract】 In the background of the global financial turmoil, China is facing severe economic and social development challenges. To achieve the "economic growth, ensuring the people’s livelihood and maintaining stability, "the overall goal of economic and social development, the breakthrough is to protect employment, insurance companies, insurance industries. Among these, as market players, especially small and medium enterprises play an important role, they are creating jobs, an important force for promoting innovation. State Administration for Industry and the latest statistics show that, as of the end of 2008, China implemented a business 9,714,600, of which 99% were SMEs. The contribution of SMEs to the GDP more than 60%; on the contribution of tax revenue over 50%; to provide nearly 70% of the import and export trade; created about 80% of urban jobs; absorbed more than 50% of laid-off workers of state-owned enterprises, 70% of rural migrant workers. In independent innovation, SMEs have 66% of the patented invention, 82% of new product development outcomes.For a long time, China has been facing difficulties in financing SMEs in the development bottleneck. According to statistics, China’s major financial institutions lending to SMEs accounted for only 16% of the proportion of loans, high-quality small and medium enterprises, only 30% of credit needs are met. The end of 2007, China’s loans to SMEs accounted for all of the loan amount is only about one percent or so share. Past two years, gradually increase the financial institutions lending support to SMEs, the SME loan growth has accelerated markedly, but the absolute amount is still to be improved. The risk of the crisis still exists a critical period, our government has repeatedly stressed the need to effectively solve the financing problems of SMEs; many parts of the active help tide over the difficulties of SMEs is the first step to solve the problem of financing SMEs.This support from the government policy analysis on SME financing difficulties trying to find ways to resolve the plight of SME financing.The first part describes three decades of reform and opening up economic development of SMEs in the process of evolution, as well as the development of SMEs in the process of China’s economic and sustainable development of the national economy, improved living standards, employment promotion, maintenance of social stability Great role.The second part of the article focuses on the financing of the main problems facing SMEs, and the reasons for the formation of these issues, mainly from the perspective of the government to analyze the reasons for difficulties caused by the financing of SMEs.The third part is to analyze the foreign policy of the government financing support for SMEs, which are mainly Japan, the United States, Japan and the U.S. introduced the system of SME financing, regulations, and its evolution.The fourth part, the article stressed that China’s reform and opening up three decades of government policies to support SME financing the evolution of its main problems.Part V of government functions from the article, the perspective of the great role of SMEs on the Government to provide financing for SMEs more effective policy support.更多还原