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摘要：改革开放以来，我国中小企业从萌芽到繁盛，如今已遍布各行各业，是我国最有潜力的经济主体。但由于市场萎缩再加上中小企业本身规模小、资金少、实力弱，很容易产生融资难、资金链断裂，甚至破产的风险。本文通过分析我国中小企业在融资上面临的困境，从政府、金融机构以及中小企业自身寻找原因，在吸取美国融资经验的同时，为缓和我国中小企业融资困境提出四点合理化建议，分别是：政府加大对中小企业的支持力度、完善我国信用担保体系、拓宽中小企业直接融资渠道以及对中小企业自身的建议。34112
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毕业论文关键词：中小企业；融资现状；融资困境；对策建议
Solve Our Country’s Small and Medium-sized Enterprises’ Financing Difficulties
——Based on the Analysis of USA Experience
Abstract: Small and medium enterprises (SMEs)in China have grown rapidly, since Chinese government implemented the reforming and opening policy. By now, they have become the most active and potential part in every business and sector of Chinese economic market. However, affected by economic crisis and the shrinking market, together with the drawbacks of themselves, it would be very possible for SMEs to face with the difficulty of financing. Therefore they usually have a high risk of bankruptcy. In this paper, through the analysis of the problems faced by our country’s SMEs’ financing system, finding the reasons from the government, financial institutions and SMEs, combined with the financing experience of the small and medium enterprises (SMEs) in the United States. I put forward four suggestions to solve our country’s SMEs’ financing difficult problem: the government should increase supports for SMEs; improving the credit guarantee system in our country; expanding direct financing channels for SMEs and giving more suggestions for SMEs .
Key words: Small and Medium-sized Enterprises; Financing Situation; Financing Plight; Approaches and Suggestion
目 录
一、绪论 - 1 -
（一）选题背景与意义 - 1 -
（二）国内研究文献综述 - 2 -
（三）研究目标与内容 - 4 -
二、中小企业概述 - 5 -
（一）中小企业的定义 - 5 -
（二）中小企业的分类及界定标准 - 6 -
（三）中小企业的特点 - 7 -
（四）我国中小企业的融资现状 - 7 -
三、我国中小企业融资体系面临问题 - 9 -
（一）直接融资渠道过窄 - 9 -
（二）金融机构对中小企业的差别待遇 - 10 -
（三）我国中小企业持续盈利能力不强 - 10 -
四、我国中小企业融资难的原因分析 - 11 -
（一）企业自身原因 - 11 -
（二）金融机构原因 - 11 -
（三）政府原因 - 12 -
五、美国中小企业的融资经验及启示 - 13 -
（一）美国中小企业具体融资情况 - 13 -
（二）美国中小企业融资体系的特点 - 15 -
（三）美国中小企业融资体系的启示 - 17 -
751、缓解我国中小企业融资困境的具体建议 - 17 -
（一）对中小企业自身的建议 - 17 -
（二）政府应加大对中小企业的支持力度 - 18 -
（三）完善我国信用担保体系 - 18 -
（四）拓宽我国中小企业直接融资渠道 - 19 -
参考文献 - 20 -
一、绪论