摘要：小微企业的发展及其迅速，很快就成为我国经济主导力量。作为一个庞大的企业群体，相对的在国外也对社会经济的发展起着重要的作用和影响。小微企业对就业率的提高、市场活跃度的增加、民生的改善和对经济结构调整的促进有着不可忽略的作用。但小微企业在发展过程中也经常出现一系列问题，因此资金链保持畅通正是其是否能继续成长发展的关键所在。无论是在发达的市场经济国家还是中等的发展中国家，小微企业已成为国家经济的支柱，对小微企业的发展加快完善，也就意着使得国民经济的稳定增长打下坚实的基础。从另一个层次来考察，小微企业的发展快慢衡量了一个国家或个别地区的市场经济实力好坏。这就意着小微企业的问题已成为国家需要处理的首要任务。小微企业人员数量少，资产规模较小，经营场所和基础设备大多都是以租赁方式来获取，固定资产占自身总资产比重较小，因此从银行等一些正规的渠道来借贷和其他的财政支持是比较困难的。银行借贷一般需要抵押物等一些等价的物品，而小微企业的核心竞争力往往表现在它的知识产权和品牌的价值这些无形资产，能够用于抵押固定资产较少，获得的资金并不充裕，较难长期维持稳定发展。大部分小微企业都处在竞争力较大的热门行业，因此受到市场环境、国家政策制约和经济波动的影响，能够存活下来的小微企业也就很少了。对于融资难的问题，应该从政府和市场两个方面来干涉协调，健全完善小微企业金融服务体系和融资环境，加强小微企业的信誉度，提高企业信用程度，提高创新力等来使得小微企业从融资难的困境解放。51177

毕业论文关键词：小微企业    融资难   融资对策

 Research on the Financing of Small and Micro Enterprises -- Based on the Investigation of Changshu Agricultural Firm

Abstract:The development of small companies is extremely fast, and soon become the economic denominator of our country. As a large enterprise group, they also relatively have a significant effect on the development of foreign social economy. Small companies paly a non-ignorable role in increasing employment rate, elevating market activity, improving people’s livelihood and promoting the adjustment of economic structure. However, a series of problems also always come out during the development of small companies, then, the key point of whether small companies continue to grow and develop or not just local on keeping the capital chain clear. Small companies have become the support of state economy, no matter in developed market-oriented economy countries or moderate developing countries. Accelerating perfect the development of small companies means that a solid foundation can be laid for the stable growth of state economy. Investigating from another lever, the development speed of small companies measures the strength of market-oriented economy in a country or inpidual region. That means the problems of small companies already become the top priority which should be addressed by a country. The problems in small companies such as a little personnel amount, a small capital scale, the renting method to obtain manage location and most of the infrastructure and a small proportion of fixed asset occupied in itself total asset, leading to situation that it is relative difficult to obtain loan from some formal channels such as banks, so do the others financial support. Bank loan usually need to mortgage some equivalent things, but the core competence of small companies always located at intangible assets such as its intellectual property and brand value. The lack of fixed asset which can be used to mortgaging, coupled with the not enough capital, leading to the long-term and stable development for small companies become difficult. Most of small companies locate at the hot industry in which competitiveness is relative strong, so, the amount of small companies which can survival from the influence of market environment, national policy restriction and economic fluctuation is much little. As to the problem of difficult to financing, the following measures: coordinating from the two aspects of government and market, improving the financial service system and financing environment for small companies, strengthening the creditworthiness of small companies, elevating the credit rating of company and creativity and so on are necessary in order to liberate the small companies from the dilemma of difficult to financing.  常熟农商行小微企业融资难问题的研究:http://www.youerw.com/jingji/lunwen_54725.html