摘 要如今，中小企业是解决社会就业问题的核心力量。中小企业的发展为国家经济的繁荣和社会的稳定发挥着重要的作用。然而，我国中小企业的融资问题仍然没有得到任何的缓解。现阶段民间融资与中小企业的对接程度仍然较高，这给中小企业融资困难提供了很大帮助，因而扩大了中小企业的资金来源渠道。本文分别从不同的方面、立场和角度入手，对中小企业民间融资的问题，进行较深层次的探究。一方面，有利于为中小企业选择民间融资提供有利的分析，对控制民间融资的风险起到警醒作用；另一方面，通过对民间融资的研究，达到促进经济稳定发展的目标。本文将着重分析中小企业融资困难的原因，并针对规范民间融资，作出自己的研究分析并提出相应的意见和建议。86678

毕业论文关键词：中小企业；民间融资；问题与对策

Research on Problems Existing in SME Informal Finance

Abstract Nowadays, small and medium-sized enterprises is the core strength to solve the problem of employment。 The development of small and medium-sized enterprises in the nation's economic prosperity and social stability plays an important role。 However, our country small and medium-sized enterprise financing problems still didn't get any relief。 Folk financing and docking of small and medium-sized enterprises at present stage are still high levels, this provides a great help to small and medium-sized enterprise financing difficulties, thus expanding the small and medium-sized enterprise financing channel。 This paper respectively from different aspects, the position and Angle of folk financing for small and medium-sized enterprises, a deeper study。 Choose folk financing for small and medium enterprises on the one hand, is beneficial to provide favorable analysis, to control the folk financing risk warning effect; On the other hand, through the study of folk financing, to promote stable economic development goals are met。 This article will focus on analyzing the causes of small and medium-sized enterprise financing difficulties, and to regulate private financing, make your own research and analysis and put forward the corresponding opinions and Suggestions。

Key words: small and medium-sized enterprises; Folk financing; Problems and countermeasures

目  录

0 引言 1

1 中小企业概论 1

1。1 中小企业的定义 1

1。2 中小企业的特征 2

2 中小企业民间融资的相关理论 2

2。1 关于中小企业民间融资的动因分析 2

2。2 中小企业民间融资的形式选择分析 4

3 中小企业民间融资的现状 7

3。1 中小企业融资现状 7

3。2 中小企业融资难原因分析 8

4 促进中小企业民间融资发展的对策 10

4。1 大力提高企业自身信誉度 10

4。2 选择合适的民间融资方式 11

4。3 征信系统的建设与完善 11

4。4 降低金融门槛 12

4。5 确立民间金融法律地位 12

4。6 完善民营银行的进出机制 12

4。7 发展民间融资中介组织 13

结论