中小企业融资难问题探析 经济管理毕业论文

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1、吉林大学远程教育专科生毕业论文（设计）中文题目中小企业融资难问题探析学生姓名xxx专业经济管理层次年级2008秋专科学号指导教师xx职称讲师学习中心金铖教学中心成绩2013年3月18日16摘要我国目前中小企业融资难存在企业本身﹑金融机制﹑政府三个层面的原因，为此要制定相应的治理对策：企业要加快发展，切实提高盈利能力，增强自身信用观念，努力拓展融资渠道和方式；金融机构要解放思想积极创新，逐步消除对中小企业的金融抑制，建立多层次的信用担保制度；政府要完善政策法律法规，加大对企业制度支持和金融扶持力度。关键词中小企业融资问题信用探析

2、16目录摘要································1目录·······························································2引言································································3第一章认识中小型企业融资及现状··············································41.1中小企业的界定······················

3、···································41.2中小企业的融资·························································41.3我国中小企业融资现状分析···············································5第二章讨中小企业融资难的深层原因············································52.1企业层面·······························

4、································62.216金融层面·······························································72.3政府层面·······························································8第一章方努力整合解决中小企业的融资难题······································93.1企业层面························

5、·······································103.2金融机制层面···························································103.3政府层面·······························································10总结········································································11参考文献···

6、························································13致谢·······························································1416引言企业管理的一个根本任务就是如何不断降低成本，美国管理大师彼德?杜拉克在《新现实》中有一句非常精辟的话，他说：“在企业内部，只有成本。”，可见成本管理是企业管理永恒的话题。80年代以来，脱离计划经济的我国企业开始主动寻求降低成本的方法，一部分企业引入先进的成本管理方式——目标

7、成本管理。其中较为典型的就是邯钢，通过采用这种方法对成本管理进行大的改革取得了显著的成效，邯钢摆脱了产品积压卖不出去的困境，成为同行中的佼佼者。在此之后，我国的许多企业纷纷向邯钢学习开始重视目标成本管理，国内不少企业先后采用了目标成本管理，取得了很好的效果。因此，目标成本管理值得引起足够的重视。90年代后，中国的企业开始面临一个新的市场环境。这个新的市场环境是随着市场经济体制的逐步建立与完善以及中国加入WTO而产生的。在这样的市场环境中，更加强调了企业作为市场主体的地位，更加充分地体现了利用市场机制来进行资源优化配置。正是这样

8、一个新的市场环境的产生，提出了对目标成本管理的新要求。因此，我们原有的目标成本管理必须进行相应的改革和创新，以适应新的市场环境。如果能够从分析研究中找出原有目标成本管理的弊端，并剔除它，那也就是本文的价值所在了。16一．认识中小型企业融资及现状改革开放以来，我国的中小企业主要