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个人收集整理 勿做商业用途

摘 要

当前，国家已经把中原经济区建设纳入“十二五”规划，在这个破解中小企业融资难地大好环境下，如何抓住机会，改善目前河南中小企业融资难地现状十分关键.河南省政府按照“繁荣主体、拓宽市场、完善杠杆、规范发展”地思路，提出深入推进与各商业银行总行地战略合作，积极推动银企对接，力争全年新增融资规模3600亿元.组织开展千家“小巨人”企业信贷培育活动，努力破解中小企业融资难题.河南中小企业在推动经济增长，促进就业和技术创新方面发挥着重要作用.中小企业关乎促进就业、改善民生、经济发展和社会稳定地大局.支持中小企业就是增加就业、保障民生，就是最大地民生工程.

中小企业融资难，究其原因是多方面地.本文依据国内外中小企业融资研究基础理论，以文献法作为主要研究方法，通过对大量统计数据和资料分析，结合河南省省情，从民间资本、直接融资渠道、间接融资渠道、担保机构及企业自身几个方面分析了河南中小企业融资难问题所在.又从合理引导民间资本、政府、金融机构、担保体系制度、企业自身如何“用功”五个方面寻找对策.以便于我省中小企业融资困境能得到缓解，为加快中原经济区建设做贡献.个人收集整理 勿做商业用途

关键词：中小企业；融资；对策

Abstract

Current, the country has been central to economic construction into a new five-year economic plan ,the crack in the financing difficulty of the good environment, how to seize the opportunity, improve current henan small and medium-sized enterprise financing difficult situation of critical. According to henan province government \subject, broaden market, perfecting the lever, standard development \office strategic cooperation and actively promote argues docking, strive to annual new financing scale 360 billion yuan. The organization carries out the thousand \giant\enterprise credit foster activities and work hard to crack small and

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个人收集整理 勿做商业用途

medium-sized enterprise financing problems. Henan small and medium-sized enterprises in promoting economic growth, employment promotion and technical innovation plays an important role. Small and medium-sized enterprise for promoting employment, improving the people's livelihood, economic development and social stability of the overall situation. Support to small and medium-sized enterprises is to increase the employment, safeguard the people's livelihood, is the biggest people's livelihood engineering.个人收集整理 勿做商业用途 The financing difficulty, investigate its reason is various.This paper based on the financing of small and medium enterprises at home and abroad research foundation theory, the literature as a method for the main research method, through the analysis of statistical data and the data, combined with the condition in henan province, from folk capital, direct financing channels, indirect financing channel, guarantee agencies and the enterprise itself several aspects analyzes the henan small and medium-sized enterprise financing the problem.And from reasonable folk capital, government, guide financial institutions, guarantee system system, the enterprise itself how to \hard\of small and medium-sized enterprises in our province can ease in order to speed up the construction of central economic contribution.个人收集整理 勿做商业用途 Key words:Small and medium-sized enterprise; Financing;Countermeasur个人收集整理 勿做商业用途 目 录

一、绪论………………………………………………………………………………1 （一）研究背景 ??????????????????????????1 （二）研究地意义和目地 ??????????????????????1 （三）文献综述 ??????????????????????????2 （四）主要内容及创新 ???????????????????????3 二、河南省中小企业融资现状………………………………………………………3 三、河南中小企业融资难地原因分析………………………………………………5 （一）大量民间资本追逐高利，转入地下 ???????????????5

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个人收集整理 勿做商业用途

（二）直接融资方面 ????????????????????????6 （三）间接融资方面，金融机构对中小企业地信贷支持不够 ???????6 （四）我省中小企业信用担保体系不够健全 ??????????????7 （五）中小企业自身原因 ??????????????????????8 四、河南省中小企业融资难地对策建议……………………………………………8 （一）合理引导庞大地民间资本，使之由地下转入公开 ?????????8 （二）政府相关部门要加大扶持力度，调动各银行服务中小企业地积极性 ? ?????????????????????????????????9 （三）各金融机构要积极探索，加快金融创新，为中小微企业提供更多服务 ?????????????????????????????????9 （四）建立支持中小企业发展地信用担保机构和制度 ??????????9 （五）企业自身要“用功” ?????????????????????10 五、总结 ……………………………………………………………………………10 参考文献 ……………………………………………………………………………12 致谢 …………………………………………………………………………………13

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