我论文我国-中小企业债务融资风险及其防范

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1、内蒙古财经学院双学位毕业论文我国中小企业债务融资的风险及其防范学生姓名刘彬院系金融学院专业金融学年级08金融3班学号802054112指导老师杨艳艳导师职称讲师8内容摘要中小企业已成为我国经济建设中最有活力的源泉，在促进经济增长和扩大就业等方面发挥了极为重要的作用。然而,我国中小企业普遍面临着融资难的问题，融资难已经成为中小企业进一步发展的障碍。本文试图通过分析目前中小企业债务融资的现状、面临的主要困难以及引起这些困难的原因,结合理论与实际提出相关建议来充分发挥中小企业在国民经济中的积极作用。解决好中小企业的债务融资问题非常重要，决定着企业能否健康发展、壮大。关键

2、词：中小企业债务融资风险风险的防范AbstractSmallandmedium-sizedenterprisehasbecomeChina'seconomicconstructioninthesourceofmostdynamic,inpromotingeconomicgrowthandexpandemploymenthasplayedanextremelyimportantrole.However,China'ssmallandmedium-sizedenterpriseisfacedwiththeproblemoffinancing;financinghasb

3、ecometheobstacletothefurtherdevelopmentofsmallandmedium-sizedenterprises.Thispaper,throughtheanalysisofthecurrentsituationofsmallandmedium-sizedenterprisedebtfinancing,facingthemaindifficultiesandcausethecauseofthesedifficulties,combinedwiththetheoryandpracticalproposalstogivefullplay

4、tothesmallandmediumenterpriseinthepositiveroleofthenationaleconomy.Solvetheproblemofsmallandmedium-sizedenterprisesdebtfinancingisveryimportant,decidetheenterprisehealthydevelopmentandexpansion.Keyword:Smallandmedium-sizedenterpriseDebtfinancingriskRiskprevention8目录一、我国中小企业债务融资的现状····

5、······························3（一）债务融资渠道单一··········································3（二）债务融资成本高············································3（三）债务融资比例不合理········································3二、中小企业债务融资的困难与风险································4（一）中小企业自身方面的问题·····························

6、·······4（二）融资过程中的风险··········································5（三）政府的原因················································5三、解决中小企业债务融资方面的有效途径··························6（一）企业自身是关键············································6（二）金融机构的作用············································6（三）政府的规范是保

7、证··········································7参考文献························································8后记····························································8我国中小企业债务融资的风险及其防范21世纪以来，在经济全球化和科技进步的背景下,我国中小企业的发展取得了长足的进步。中小企业在繁荣我国经济，优化经济结构，稳定就业，增加地方财政收入方面起到了重要的作用，据2009年的数据，我国的中小企

8、业占到99