从商业银行角度探讨中小企业融资问题.doc

淮阴工学院毕业论文作者:学号：学院:专业:题目:指导者：(姓名)(专业技术职务)评阅者：(姓名)(专业技术职务)年月从商业银行角度探讨中小企业融资问题摘要:中小企业是中国经济的重要组成部分，在我国的国民经济和社会生活中发挥着举足轻重的作用。中小企业不仅为我国的经济发展做出了重大贡献，而且还对我国的社会稳定起到了积极作用，还是我国科技发展与创新的尖端力量，在确保国民经济适度增长、缓解就业压力、实现科教兴国、优化经济结构等方面，均发挥着越来越重要的作用。但融资难问题一直困扰着中小企业，成为制约中小企业发展的瓶颈。长期以来，中小企业所获得的金融资源却十分匾乏，特别是通过银行融资难的问题己经成为严重制约我国中小企业进一步发展的最大瓶颈。本文首先分析了中小企业融资难的原因，然后论述了发展中小企业融资业务对我国商业银行的重要意义，最后对商业银行如何发展中小企业业务提出几点建议。关键词：商业银行，中小企业，融资Title:BasedontheangleofcommercialbanksonsmallandmediumenterprisefinancingproblemAbstract:thesmallandmedium-sizedenterprisesisanimportantpartofChina'seconomy,inthenationaleconomyofourcountryandsociallifeplayadecisiverole.SmallandmediumenterprisesnotonlyforChina'seconomicdevelopmentmadeasignificantcontribution,butalsotoourcountrysocialstabilitytohavepositiveeffect,orthedevelopmentofourcountryscienceandtechnologyandinnovationoftipforce,inensurenationaleconomygrowsmoderately,alleviateobtainemploymentpressure,implementationofrevitalizingthenationthroughscienceandeducation,optimizingtheeconomicstructure,areplayingmoreandmoreimportantrole.Buttheproblemoffinancingsmallandmediumenterpriseshasbeentroubled,becomeabottleneckrestrictingthedevelopmentofsmes.Long-termsince,smallandmedium-sizedenterprisesoffinancialresourcesareverydeficient,particularlythroughthefinancingproblemhasbecometheseriousrestrictionourcountrysmallandmedium-sizedenterprisefurtherdevelopmentofthebiggestbottlenecks.Thispaperfirstlyanalyzesthefinancingofsmallandmedium-sizedenterprises,thendiscussesthedevelopmentofmedium-sizedandsmallenterprisesfinancingbusinessinCommerci