我國中小企業(yè)成長中的融資瓶頸和信用困境突破.pdf

1、集美大學(xué)碩士學(xué)位論文我國中小企業(yè)成長中的融資瓶頸和信用困境突破姓名：曹江明申請學(xué)位級別：碩士專業(yè)：國民經(jīng)濟(jì)學(xué)指導(dǎo)教師：蔣曉蕙20110610IIFinancingBottlenecksBreakthroughOfCreditTroublesInTheGrowthOfSMEsInChinaAbstractBothindevelopeddevelopingcountriesSMEs(smallmediumsizedenterprises)a

2、remakinggreatcontributionstothecountrysnationaleconomicdevelopment.NowadaystheSMEsinChinaarethemainfcefourcountrytoindependentlyinnovateboomnationaleconomicsexpemployment.Thenational66%ofthepatentinventions82%ofthenewpro

3、ductdevelopmentarefromSMEsinChina.HoweverthesocialstatusofSMEsinChinaisnotcongruentwiththeirgreatcontributions.Theyhavebeendiscriminatedinfinancingprocessthedifficultiesinfinancingarealwaysthecrucialproblemsthatrestricte

4、nterprisesdevelopmentexpansion.ComparedwithlargeenterprisesSMEsinChinaaregenerallyweakincapabilitysmallinscaleirregularinmanagementlowincreditrating.AllthesesignificantlyrestrictSMEsfinancingabilityinChina.Besidesotherre

5、asonsalsoresultinthefinancingbottleneckofSMEsinChina.GenerallySMEsinChinalackofgovernmentsstrongsupptpresentlongitudinalfinancingsystemaremainlyservingflargestateownedenterprisescommercialbanksotherfinancialinstitutionsa

6、rerigoustolendtoSMEshavestrictexaminationstoevaluateSMEsloanqualification.MeoverthecreditguaranteesystemisfarbeyondperfectioninChinathefinancialcrisisalsoinfluencesalot.TheSMEsarenowfacingamestrugglesituationthanever.The

7、refethisresearchoftheSMEsfinancingdifficultieshasitsimptantrealisticsignificance.ThisthesisfirstlyintroducestheresearchbackgroundsummarizestheclassicliteraturesbothinChinaabroadthendefinesSMEsreviewstherelevantcpationfin

8、ancingtheies.ThenweelabatedthepresentSMEsfinancingsituationsinChinaanalysedthereasonsbothfrominternalenvironmentviewfromexternalenvironmentviewfinallyfiguredoutthesourceofalltheproblemsarethecredittroublesfacingbySMEsinC

9、hina.TherefethisthesisgavesuggestionsonhowtobreakthroughcredittroublesfSMEsbasingonthemarkettomicrocosmiccreditconstructionasthebreakthroughpoint.ItisfirstproposedschemesbywhichSMEscanbreakthroughcredittroubles.Onthisbas