完善信保机制解决中小企业筹资难题
毕业论文
完善信保机制解决中小企业筹资难题
摘 要:1998年以来，国家为了进1步扩大内需，刺激经济的增长，使中小企业得到了迅速发展，然而在这个发展的过程中，始终面临着信用不足的问题，这就导致了中小企业筹资相当难，使得很多中小企业在发展的关键时刻离开了市场。中小企业在保证经济适度增长，缓解就业压力，服务群众等方面发挥着非常重要的作用，因此解决这个难题也就成了当务之急。本文首先介绍我国中小企业的现状和存在的'问题，从而引出中小企业筹资难的现实；然后借鉴国外解决中小企业筹资难的问题所采取的措施提出中小企业信用担保在解决这个问题上可以发挥巨大作用；最后针对我国现行中小企业担保机构存在的问题讲述如何完善中小企业信用担保制度，从而更好的解决中小企业筹资的难题。
关键词:中小企业；信用担保体系；问题
Perfect Credit Guarantee System Slove the Diffiuct Finance Problem of Mid- and Small-Scale Enterprise
Abstract: Since 1998, government in order to further expands needs, stimulates the economical growth, mid- and small-scale enterprise get rapid development. In this development process, enterprise is facing the question which the credit is insufficient throughout, this caused mid-and small-scale enterprise to finance quite difficultly, caused very many mid- and small-scale enterprise to leave the market in the development critical moment. However mid- and small-scale enterprise in the guarantee economy moderate growth, alleviates the employment pressure, aspect and so on service populace is playing the count for much role, therefore solves this difficult problem also to become the urgent matter. This article first introduces mid- and small-scale enterprise’s present situation and the existence question in our country, thus draws out mid- and small-scale enterprise to finance the difficult reality; Then in view of overseas solution this question’s measure, proposed mid- and small-scale enterprise the credit guarantee may play the huge role; Finally aims at the question of mid- and small-scale enterprise to guarantee the organization, narrates how to consummates mid- and small-scale enterprise the credit guarantee system, for solving mid- and small-scale enterprise finances difficult problem better.
Keywords: Mid- and small-scale enterprise； credit guarantee system； question
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