中小企业融资现状及对策分析.docx

中小企业融资现状及对策分析TheResearchontheContentsandModeoftheComprehensiveIncomeReport摘要自改革开放三十年我国的中小企业大量涌现并迅猛发展。截止2006年底我国中小企业已经达到4200多万户占全国企业总数的99．8％以上所创造的最终产品和服务的价值占全国国内生产总值的60％左右生产的商品占社会销售总额的60％上交的税收已经超过全国税收总额的一半提供了全国80％左右的城镇就业岗位。毫无疑问中小企业在国民经济中已占据了举足轻重的地位。但长期以来由于各种原因我国的中小企业所获得的会融支持却与其贡献极不相称。融资问题己经成为制约我国中小企业发展的普遍性问题。分析中小企业融资难的原因加以克服促进中小企业发展进而保持我国经济持续、快速、协调、健康发展既是实践提出的任务也是经济学人的使命。本文在对我国中小企业融资难的原因进行剖析和在分析、借鉴国际经验的基础上有针对性地提出了解决我国中小企业融资难的对策以助于我国中小企业的健康发展同时也希望能够将人们对中小企业融资问题的认识引向深入。关键词：中小企业融资原因对策AbstractDuringthepast30yearsofreformandopeningupChina’Ssmallandmedium—sizedenterprises(SMEs)havebeenspringinguprapidly．Upuntil2006thenumberofsmallandmedium—sizedenterprisesinChinahasexceeded42millionmakingupmorethan99．8％ofallChina’Sindustrialenterprises．ThetotalvalueofindustrialoutputforSMEsaccountsfor67．71％ofthegrossoutputvalueofallChina’Sindustrialenterprises．TheconsumergoodsproductionbySMEsaccountsfor60％ofthetotalsalesofallenterprisesinwholesale&retailtrade．ThetaxespaidbySMEsaccountformorethanhalfoftotaltaxespaidbyallindustrialenterprises．AdditionallySMEsemployabout80％oftheworkforceincitiesandtowns．SMEsareundoubtedlyplayingacriticalroleinChina'seconomygrowth．ForavarietyofreasonsthefinancialsupporttoSMEshasnotalwaysproportionatetotheamountofcontributionSMEshasprovided．FinancingdifficultyhasbecomeaseriousissueforthedevelopmentofChina’SSMEs．ItshouldbenotedthatthetheoryputforwardbythepracticeofinnovationisthetaskofhistorydemandsofUS．ToanalyzethecausesofandidentifyessentialresolutionsforthefinancingdifficultfacedbySMEshasempiricalsignificanceforSMEsdevelopmentwhichwillinturncontributetothesustainablerapidcoordinatedandhealthydevelopmentofChina’Seconomy．Thisisataskderivedfrompracticeandalsoamissionforeconomists．Throughanin-depthanalysisofcausesforSM