政府在中小企业融资中的作用分析研究 财务会计学专业VIP专享

摘 要在经历了金融危机的冲击后，我国中小企业发展迅速，在繁荣经济、增加就业、推动创新、改善民生方面做出了巨大贡献。据调查报告显示，截至 2016 年底,我国拥有7000 万的中小企业，占我国全部企业数量的 90%以上，缴纳的税款占我国税收总额的50%以上，中小企业为社会提供了约 80%左右的城镇就业机会，为农民脱贫致富提供了大量的渠道，进出口贸易额占我国贸易总额的 70%。中小企业显然成为了社会经济发展的主力军，其对经济、社会产生的影响越来越明显。但是中小企业发展并非一片坦途，作为中小企业，企业制度不完善、自身信用差导致中小企业融资难、融资贵。中小企业整体素质有待提高，急需政府在经济、法律、技术创新、人才培养等方面进行扶持。本文旨在通过分析政府在中小企业融资中的作用、现状，分析得出政府在中小企业融资过程中的问题及原因，从而根据发达国家（地区）政府在中小企业融资作用、措施分析得出我国政府应该如何支持中小企业发展，如何解决中小企业融资难、融资贵的问题，从而促进中小企业在我国的发展。关键词：中小企业，融资难，融资贵，信用担保，法律体系The role of government in SME financingAbstract ： After the impact of the financial crisis, China's small and medium-sized enterprises developed rapidly, making great contributions to developing economy increasing employment, promoting innovation, and improving people's livelihood. According to the survey report, until the end of 2016, China has 70 million SMEs, accounting for more than 90% of the total number of enterprises in China. The taxes paid account for more than 50% of China's total tax revenue. SMEs provide about 80% of urban employment opportunities for the society. The employment opportunities in urban areas provide a large number of channels for farmers to get rid of poverty, and the volume of import and export trade accounts for 70% of China's total trade. SMEs have obviously become the main force in social and economic development, and those impact on the economy and society is becoming more and more...