发布时间 : 星期四 文章试述我国中小企业融资难的原因和对策更新完毕开始阅读
致谢
致谢
经过这几个月的认真钻研学习，毕业论文的写作已经接近尾声，四年的大学生活也即将划上一个圆满的句号。值此之际我想感谢各位老师的谆谆教诲，无论是做人还是学问，都是我学习的榜样。我还要感谢我的同学和室友，感谢你们四年的陪伴，让我度过了美好的四年青春岁月。
其次我要特别感谢我的论文导师祁蔚茹老师对我论文的指导和帮助，从选题到查阅资料，还有论文提纲的确定以及中期论文的修改、后期论文格式的调整等每个环节都悉心指导，使我能够完成毕业论文。祁老师认真敬业的工作态度、渊博丰富的知识、严谨治学的精神使我受益匪浅，给了我很大的帮助，使我的综合素质提高不少，这对我以后的工作和学习都是很大的帮助。最后要感谢在论文写作过程中支持和帮助我的同学们，谢谢你们！祝愿各位在今后的工作生活中事事顺利！
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参考文献
参考文献
[1] 李毅．我国中小企业融资现状及建议．合作经济与科技，2012; [2] 冯丽娜．浅议中小企业融资问题．财会研究，2013.1;
[3] 徐杨．浅析中小企业融资现状以及破解中小企业融资难的途径[J]．广东科技，2012（5）: 160-161; [4]
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[5] 李春侠,谢守祥.我国中小企业竞争力现状分析与策略选择[J].企业活力,2007(2)：33-36; [6]俞建国.中国中小企业融资[M].中国计划出版社,2006（8）: 21-27;
[7]平莉.关于我国中小企业融资问题的思考[J].科技情报开发与经济,2005(2)：42-45;
[8]顾永、敏聂、银学、王东升.中小企业融资难成因分析[J].金融理论与实践,2005(1)：62-65; [9]陈健生. 私营企业“融资难”的几个问题[J].经济体制改革，2002（1）：5-6; [10]杨昊晰. 我国中小企业融资问题研究[J].黑龙江社会科学，2007(3):67-69; [11]梁冰. 我国中小企业发展及融资状况调查报告金融研究,2005,(5):35-39; [12]梁文玲.试论民营中小企业融资难的原因与对策[J].商业研究，2001(11):33-35; [13]景乃权，丁鸣，李绍杰. 从中小企业融资看金融民营化[J].浙江金融，2007(8):75-78。.
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外文文献及翻译
外文文献及翻译
原文：
To formulate and improve relevant laws and regulations
Law to build a full range of system principle, as soon as possible to develop the small and medium-sized enterprise guarantee law, \small and medium-sized enterprise financing method \industrial investment fund law, \make various financing channels of small and medium-sized enterprises of laws, such as regulations regarding private financing of SMEs in our country has been unclear, which limits the financing way of small and medium-sized enterprises. To improve the legal system of enterprises is the basic guarantee for the smooth development of SMEs, is the basis for the survival of small and medium enterprises financial institutions and operational guidelines. It can guide the direction of investment in small and medium enterprises, protect the interests of private investment, promote the healthy development of small and medium enterprises. Low information transparency. Recently, the research conducted by the people's Bank of China and the world bank in the East, West, a regional sample of seven urban areas showed that 87.8% of the financial institutions that loans to small and medium-sized enterprises than large corporate loans have higher default rates; 75.5% of the financial institutions that private enterprise loans than loans to state-owned enterprises have higher default rates. In the sample cities involved in the research, the non-performing assets of SMEs loans accounted for the proportion of all non-performing assets of up to six; 63.9% is the lack of a comprehensive national social credit system. The lack of perfect social credit system in China is a key reason for the financing difficulty of small and medium-sized enterprises. This imperfect social credit system leads to higher information asymmetry, which increases the cost of financing and bank credit. The banking system is highly concentrated, the lack of small and medium enterprises to provide financing services for small and medium banks, is also one of the reasons leading to the financing of small and medium enterprises in china. Existing in view of the small and medium-sized enterprise legal provisions is mainly the urban collective all business regulations \according to the property of system of ownership and different forms of Organization classification of legislation, the lack of unified legislative standards and codes of conduct. In terms of financial and credit is the lack of specialized support for small and medium-sized enterprises to protect the laws and regulations. Drawing lessons from the experience of developed countries and regions, the development of small and medium-sized enterprises to provide various aspects of policy and financial support can not be separated from the legislative support. Legal guarantees can be considered from the following levels:
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外文文献及翻译
The legal protection of small and medium-sized enterprises, such as the small business act \industry of laws, such as the United States the small business technology innovation development law \the Sherman antitrust law of the United States and Germany's anti unfair competition law. To speed up the legislation on the credit system of small and medium enterprises. The relevant departments should be designated as soon as possible to formulate relevant laws or regulations on small and medium enterprises loan. First of all, to be divided into small and medium-sized enterprise classification standards, defined the definition of small and medium enterprises. Secondly, to clarify the role and function of all kinds of financial institutions in the SME credit system, the development of specific management methods and incentives for small and medium enterprises loans. Again, to implement the government to support the financing channels for small and medium enterprises loans, the implementation of institutions and management measures.
译文：
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