摘要：随着经济的日益发展，融资已经成为企业成长运营必不可少的重要组成部分。良好的融资状况对于企业，尤其是企业的扩张发展，经营盈利有着举足轻重的作用。因此，企业的融资渠道和成本就成为了十分值得关注和探讨的问题。从供需角度来看，尽管分析银行等金融机构贷款给企业的意愿及程度显得非常重要，但是首先必须了解资金的需求方——企业当前的融资结构，了解企业的各种资金来源的组合关系。揭示企业的融资行为特征，以使商业银行在较充分了解其借款方的基础上，控制风险，按市场规律向其提供资金资助。49984

我们选择企业相对集中的常熟作为调查对象。就常熟而言，城市内资中企业数量众多，并且以传统制造业为主。例如纺织，服装，印刷，化工，机械等。就个人看来，以常熟为例对研究我国经济发达地区中小企业融资问题有较好的代表性。

毕业论文关键词：融资成本； 融资结构；融资渠道 ；典型行业

 The financing channels and financing cost problem research of Changshu enterprise

Abstract With the development of economy, finance has become an     indispensable important part of enterprise growth operating. Good financing conditions for enterprises, especially small and medium-sized enterprise development, the expansion of business profitability has a pivotal role. Therefore, the enterprise's financing channels and the cost has become a very worthy of attention and discussion of the problem. Analysis from the Angle of supply and demand, although the bank loans to small and medium-sized enterprise financial institutions, such as intention and degree is very important, but first must understand the capital demand, small and medium-sized enterprise the current financing structure, understand the combination of various sources of funds for the relationship between enterprises. Reveals the financing behavior of the enterprise, in order to make full understanding of the borrower in the commercial Banks.

We choose the small and medium-sized enterprise relativing concentration of changshu as the object of investigation. In terms of changshu, numerous cities in the domestic small and medium-sized enterprises, and give priority to with traditional manufacturing. Such as textile, clothing, printing, chemicals, machinery, etc. On a personal point of view, in changshu for example to research our country small and medium-sized enterprise financing problems developed economic regions have better    

representative.

Key Words: financing cost；structure financing；financing channels ；Typical industry

目  录

摘要--1

Abstract--Ⅱ

目录-Ⅲ

一、文献综述--1

（一）研究现状--1

1、关于企业融资现状的相关研究1

2、关于企业融资渠道现状的相关研究2

3、关于企业融资成本现状的相关研究2

二、常熟企业融资现状--3

（一）常熟企业及融资市场发展概况--3

（二）不同区域企业的融资与发展状况--3

三、融资渠道的选择及分类--5

（一）企业融资渠道的选择--5

（二）企业融资渠道选择的总概分类--5

四、融资成本的影响因素及其对企业融资的重要意义--7

（一）融资成本的影响因素--7

（二）融资成本的重要地位--8

五、企业融资的瓶颈与改进思路--8

（一）典型企业的经营融资困境--8

（二）企业融资成本的日益提高--9

（三）问题原因及企业出路的探讨--10

1、寻求更加合适，多元化的融资渠道-10

2、加强内部挖掘，减少融资成本10

3、提高风险防范意识11