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我国中小企业贷款产品现状及启示.doc

2021-11-03 20:00分类:做实资金 阅读:

华 北 电 力 大 学毕 业 设 计(论 文)题现在:学徒姓名: 学 号: 所在院系:管理学院 专长班级: 金融001 请示教师: 职 称: 2010 年 月 Abstract Small and medium enterprises (SMEs) is the cornerstone of national economic development in China, which makes a very important contributions to improving our daily life and keeping continuous and rapid development of our society. However,there appears some financing problems of SMEs in capital market in our China, such as difficulty in getting loans of SMEs, or the size of loan cannot meet the actual needs of development of SMEs. Nowadays, it still exists a discrepancy between China and some developed countries in European and American in credit products of SMEs, for that lack of innovation and lack of the policy supports and credit guarantees of the government in loan product. In addition, credit system in our country needs to be improved. In this article, by three principal sorts of loan products of SMEs in China and some characteristic loan products of these categories, we analysis the present situation of credit products of SMEs and point out the factors and disadvantages of loan products of SMEs, and root causes of these disadvantages. Combined the financing structure of developed countries with the latest theoretical research in raleted area all over the world, we could have ability to predict the trend of development of loan products of SMEs in the future. Key words: small-and-medium-sized enterprises, SMEs loan produc 现在 录摘 要IAbstractII第1章 序言11.1 选题背景和意义11.2 国内外研讨现状21.3 研讨内容以及研讨办法5第2章 我国中小企业融资难题现在62.1我国中小企业融资难的现状62.2 中小企业融资的主要办法72.3 中小企业融资难题方针由于9第3章 我国中小企业贷款产品113.1 我国中小企业贷款产品的主要特点113.2 中小企业抵押贷款产品123.3 中小企业质押贷款产品133.4 中小企业信用贷款产品15第4章 我国中小企业贷款产品存在的题现在174.1 政策性由于174.2 商业银行的由于174.3 中小企业本身的由于18第5章 我国中小企业贷款产品的发展趋势195.1 深化政策及立法援助力度195.2 设立专门的政府片面和政策性金融机构195.3 加快中小企业贷款的产品创新205.4 增补信用评分和相关性贷款等信用技术的行使205.5 完善信用制度,设立健全担保编制20第6章 结论22参考文献23致谢25 第1章 序言中小企业是国民经济发展的基石,研讨

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