我国中小企业融资现状及对策研究论文设计VIP免费

1我国中小企业融资现状及对策研究 ——以郑州 G 能源科技有限公司为例摘 要在我国几十年经济发展以来，中小企业扮演着中坚力量的地位，有着不可估量的影响力。但是在中小企业在融资渠道的方面，长期都是置于弱势的角色。中小企业受限于规模较小、财务不建全、内外帐差异大、缺乏足够的担保品等情况，以致于在跟金融机构进行融资活动时，缺乏谈判的筹码，导致融资不易的现象。因此，本文选取我国中小企业融资现状及其对策分析，其中选取了 G公司的融资为案例进行研究，希望能为中小企业的融资发展提供一定的借鉴。经过研究发现 G 公司存在内部管理不足、融资成本过高、政府扶持不到位等问题。其成因主要是中小企业自身管理、融资市场不发达、政府扶植力度不够、金融体制欠缺等问题。因此，本文提出以下建议一是排除中小企业申请融资时担保欠缺的障碍；二是提高金融机构办理中小企业融资意愿；三是配合有关融资辅导机构扩大辅导效果；四是完善多层次资本市场。关键词：中小企业；融资方式；融资渠道；金融机构2AbstractSince china's economic development for decades, small and medium-sized enterprises from playing a pivotal role to the middle column of the position. However, Small and medium-sized enterprises in the access to financing channels, has long been placed in a weak role. Small and medium-sized enterprises are limited by the small scale, financial incomplete, internal and external accounts differences, lack of adequate collateral, so that in the financing activities with financial institutions, the lack of bargaining chips, resulting in the phenomenon of difficult financing. Therefore, this paper selects the current situation of financing of small and medium-sized enterprises in China and its countermeasure analysis, which selects G company's financing for the case study, hoping to provide some reference for the financing development of small and medium-sized enterprises. After the study found that G company has internal management is insufficient, financing costs are too high, governme...