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1、浅论中小企业融资难问题摘要融资难问题是困扰企业发展的一个巨大障碍,本文作者在分析了中小企业的特点基础上,探究出企业融资存在的多种难点,然后运用经济学理论证明企业融资难的根本原因在“市场失灵”。其作用主要表现在外部效应、银行业垄断、信息不对称等方面,并根据此根本原因,结合外向型企业的特征,对症下药,得出解决融资难问题的几种有效方法,包括:建立匹配的中小金融机构、健全的信用评估机制、健全的担保体系、丰富的资本市场、利用新的金融工具等几个方面。指出解决融资问题需要的是社会多个部门共同的合作。从而使企业走出融资“瓶颈”,实现业务的高速、健康
2、成长。关键词中小型外贸企业市场失灵信用评估金融工具5.1-9,,services,andmakethecitymoreattractive,strengtheningpublictransportinvestment,establishedasthebackboneoftheurbanrailtransitmulti-level,multi-functionalpublictransportsystem,thusprotectingtheregionalpositionandachieveAbstractItisfinancedby
3、ahugeobstacletoenterprisedevelopment,theauthorsofthefirstin-depthanalysisofthecharacteristicsofforeigntradeenterprises,toexploretheexistenceofadifficultcorporatefinance,corporatefinanceandtheuseofeconomicstheoryproveddifficultintherootcausesof“marketfailure.”Majorrolei
4、ntheperformanceoftheirexternaleffects,bankingmonopoly,asymmetricinformationandsoon,andbasedontherootcausesoftheexport-orientedenterprisesidentityproblem.Itincludes:theestablishmentmatchsmallfinancialorgan,theperfectcreditappraisedthemechanism,theperfectguaranteesystem,
5、therichcapitalmarket,usethenewfinancialtoolandsoonseveralaspects,resultingsolutiontotheproblemoffinancingofseveraleffectivemethodsthatsolvetheproblemoffinancingneededisacommonsocial-sectorcooperation.Sothatthefinancingofenterprisesfromthe“bottleneck”andachievehigh-spee
6、doperation,thehealthygrowth.KeywordsMedium-sizedforeigntradeenterprisesMarketfailureCreditassessmentFinancialinstruments5.1-9,,services,andmakethecitymoreattractive,strengtheningpublictransportinvestment,establishedasthebackboneoftheurbanrailtransitmulti-level,multi-fu
7、nctionalpublictransportsystem,thusprotectingtheregionalpositionandachieve目录引言…………………………………………………………………………………………01一、我国中小企业的发展现状……………………………………………………………01(一)当前中小企业在我国经济中的重要地位…………………………………………01(二)外向型中小企业所面临的机遇和挑战……………………………………………01二、中小型外贸企业融资的难点…………………………………………………………02(一)企
8、业的经营规模偏小导致抗风险能力较差………………………………………02(二)担保条件难以达到银行要求………………………………………………………03(三)复杂的审批程序与即时性的外贸业务之间存在矛盾……………………………03(四)中小企业