摘要中小企业是国民经济发展中的一支重要力量，在促进经济增长和解决劳动力就业方面起着重要作用。而由于中小企业自身规模不足、部分中小企业信用缺失以及金融机构出现的惜贷现象等原因使中小企业在发展过程中出现融资困难的情况。青岛地区是中国东部沿海城市之一，该区内中小企业自身规模实力不强，金融机构普遍存在着对中小企业惜贷现象，中小金融机构相对于中小企业发展滞后，地方政府在促进中小企业发展的措施以及政策不到位等问题。本文通过介绍该地区中小企业融资现状，分析其存在问题和原因。通过比较青岛地区与国内其他地区在解决融资问题上采取的措施，积极借鉴，结合青岛地区的具体情况提出解决青岛地区融资难的措施。关键词（本论文范文的主要论点）：青岛中小企业；融资困难；科学融资ABSTRACTSmall and middle sized enterprises are of great importance in the development ofnational economy and play a crucial role in the aspects of boosting economy and solving employment problems. However, they have encountered a lot of problems on financing due to their small size, lack of credit and the phenomenon of pitying the loan of those financial institutions. Qingdao is one of China's eastern coastal cities. In this area, the small and mid-sized enterprises are not economically capable enough as well as are lack of scientific financing methods so that they adopt mainly direct financing method. Besides, most financial institutions have a 'pity the loan' attitude towards those enterprises and develop at a relatively slow pace compared to the soaring developing speed of those small enterprises. Moreover, the local government doesn't establish relative laws and regulations for the development of those enterprises and are lack of enough supervision strength. Through the analysis of the financing situation of small and middle-sized enterprises in Qingdao City, this paper aims to find out the hidden problems. Additionally, by differentiating the solution between Qingdao and other cities and boldly taking the constructive advice of other cities, the paper finally put forward pointing suggestions according to the specific situation of Qingdao.Key words: small and middle-sized enterprises; difficulty of financing; scientific financing目 录
摘要…………………………………………………………………..…….….…………..1
ABSTRACT…………….…………………………………………………..…………….2
一、前言…….……………………………………………………….….…………………..4
二、青岛地区中小企业融资现状.....................………………………….…..….………….5
三、青岛地区中小企业融资存在的问题.................…………………….…..….………….7
（一）从企业自身来看…………………………………………………………………..7
（二）从银行角度来看…………………………….…………………...………………..8
（三）从外部融资环境来看………………………………….…………………………..8
四、与国内其他地区中小企业融资措施的分析比较 …………………………………...10
（一）山东德州的“中小企业融资超市”…………………….…....…………………...10
（二）深圳市对符合条件的信用担保机构免征营业税……...…………….…….…...10
（三）浙江义乌的“商位质押”融资和集群性融资。………………...……….………..11
五、青岛中小企业融资难问题的解决方案…….….....……….……………………….. .13
（一）企业自身对策……………………………………….……….…...……………...13
（二）银行业贷款政策适度倾斜…………………..……………………...…………...13
（三）积极改善中小企业外部融资环境……..……………..……...…....……..……...14
结论......................………….………….……………………..….……...…..….………...16
参考文献......................…………….…………………..….…..……………….………….17
致谢......................………………….……………………..…….…………...…………….18
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