摘要伴随我国市场经济体制改革不断深化，许多国内的小微企业得到了快速发展。但这些小微企业却并未分享到足够的金融资源来支撑其经营和发展，许多小微企业由于缺乏资金而影响到盈利水平、能力发挥，扩大经营规模就更加艰难了。小微企业贷款难的问题成了我国社会主义市场经济建设的一个重要问题，甚至制约我国社会经济的进一步协调发展。因此，研究并解决这一问题对丰富我国的金融理论体系、发展金融市场、繁荣国民经济大有裨益。

本文通过对金湖县小微企业贷款问题实地调研，结合实际数据分析，认为造成小微企业贷款难的具体原因既有宏观经济运行的周期性因素，也包括小微企业自身经营和财务制度不健全以及商业银行经营过程中的成本收益权衡考量因素。在对这些因素进行细致分析之后，本文提出了有效缓解金湖县小微企业贷款难问题的政策建议。49991

毕业论文关键词：小微企业；贷款；商业银行；政府

 The Research on Small and Micro Businesses Financing problems in JinHu county 

Abstract With the continuous deepening of China's market economic reform, many domestic small and micro enterprises have been developing rapidly. But these small and micro enterprises are not sharing enough financial resources to support its operation and development, many small and micro enterprises due to lack of funds and affect profitability, the ability to play, to expand the scale of operation is even more difficult. Small and micro business loans difficult issue has become an important issue in the construction of China's socialist market economy, and even further restrict the coordinated development of social economy. Therefore, to study and solve the problem of the rich theoretical system of finance, financial market development and prosperity of the national economy of great benefit.

After this paper, field research, combined with the actual data analysis, that causes small micro-enterprise loans, cyclical factors specific reasons both macroeconomic expensive loans, including small and micro enterprises own operating and financial system is not perfect and Commercial Bank during the cost-benefit trade-off considerations. After a detailed analysis of these factors, this paper presents an effective solution to small micro-enterprise loans, your credit issues policy recommendations.

Key Words: Small and micro businesses  Loans  commercial Bank  government 

目  录

摘  要 I

Abstract II

目  录 III

一 绪论 1

（一）选题背景及意义 1

（二）研究方法 1

（三）文献述评 2

二 我国小微企业贷款现状 2

（一）对银行贷款的依赖性很强 3

（二）企业贷款难和银行难贷款并存 3

（三）小微企业的信贷政策难以落实 3

（四）小微企业贷款成本相对偏高 4

（五）小微企业信贷融资缺口巨大 4

三 金湖县小微企业贷款现状 4

（一）小微企业融资方式单一 5

（二）商业银行新增贷款要求严格 5

（三）信贷支持薄弱