石家莊經(jīng)濟(jì)學(xué)院華信學(xué)院畢業(yè)論文

1、石家莊經(jīng)濟(jì)學(xué)院華信學(xué)院畢業(yè)論文I衡水市金融支持中小企業(yè)發(fā)展問(wèn)題研究摘要中小型企業(yè)是我國(guó)社會(huì)主義經(jīng)濟(jì)體系中發(fā)展速度最快、經(jīng)濟(jì)效益最好的一種經(jīng)濟(jì)成分，是中國(guó)市場(chǎng)經(jīng)濟(jì)的支柱和命脈。衡水市中小企業(yè)近年來(lái)在數(shù)量和吸納從業(yè)人員方面增長(zhǎng)明顯產(chǎn)值不斷提高生存環(huán)境有很大改善。由于中小型企業(yè)自身的特點(diǎn)，即規(guī)模小，可控資源更為稀少，又往往處于快速發(fā)展階段，需要大量的資金的支持。因此，中小企業(yè)的生存與發(fā)展，金融支持是其關(guān)鍵因素之一，然而目前中小企業(yè)受到金融支持

2、的狀況并不十分理想，如何結(jié)合中小企業(yè)的特點(diǎn)，找出衡水市中小企業(yè)發(fā)展的金融對(duì)策是本文主要研究的問(wèn)題。關(guān)鍵詞：金融支持；中小企業(yè)；問(wèn)題；矛盾；措施石家莊經(jīng)濟(jì)學(xué)院華信學(xué)院畢業(yè)論文III目錄中文摘要....................................................................................................................IABSTRACT

3、.............................................................................................................II1衡水市中小企業(yè)發(fā)展現(xiàn)狀....................................................................................11.1衡水市中小企業(yè)發(fā)展

4、概況.................................................................................11.2衡水市中小企業(yè)類型.........................................................................................11.2.1特色產(chǎn)業(yè)集群.......................

5、...........................................................................11.2.2工業(yè)園集群......................................................................................................22衡水市金融支持中小企業(yè)的現(xiàn)狀和問(wèn)題.............

6、...............................................22.1衡水市金融支持中小企業(yè)現(xiàn)狀.........................................................................22.2衡水市金融支持中小企業(yè)存在的問(wèn)題.............................................................22

7、.2.1銀行信貸支持嚴(yán)重不足..................................................................................22.2.2直接融資市場(chǎng)體系不健全..............................................................................32.2.3信用擔(dān)保體系不完善..............

8、........................................................................32.2.4其它融資渠道不暢..........................................................................................32.2.5信用制度不完善，信用環(huán)境差.........................

9、.............................................33制約金融支持中小企業(yè)發(fā)展的五種矛盾............................................................43.1信貸投放力度加大與優(yōu)質(zhì)客戶不足的矛盾.....................................................43.2商業(yè)銀行集約化的經(jīng)營(yíng)管理模式與民營(yíng)

10、企業(yè)的融資需求之間的矛盾.........43.3金融信用強(qiáng)化與企業(yè)自身經(jīng)營(yíng)不規(guī)范的矛盾.................................................43.4擔(dān)保難、抵押難與銀行審慎經(jīng)營(yíng)原則的矛盾.................................................43.5私營(yíng)企業(yè)貸款與貸款審批方式之間的矛盾.................................

11、....................54改善衡水市金融機(jī)構(gòu)支持中小企業(yè)的措施........................................................54.1改進(jìn)中小企業(yè)自身制度.....................................................................................54.2中小企業(yè)客戶的選擇突出重點(diǎn)........

12、.................................................................54.3加大信貸投入.....................................................................................................54.4加強(qiáng)貸款擔(dān)保力度................................

13、.............................................................64.5完善金融服務(wù)功能.............................................................................................64.6拓寬企業(yè)融資渠道..........................................

14、...................................................74.7政、銀、企共同實(shí)踐和探索.............................................................................75結(jié)論........................................................................

15、................................................8致謝...........................................................................................................................9參考文獻(xiàn).........................................