1、⑩中國(guó)近代第一所大學(xué)FOUNDEDN1895天洋大謦TIANJINUNlVERSITY碩士學(xué)位論文●●學(xué)科專(zhuān)業(yè)：作者姓名：指導(dǎo)教師：工商管理呂凡眾和金生教授天津大學(xué)研究生院2005年7月ABSTRACTTheresearchselects36Small&MediumEnterprises(SMEs)asaobject，onthebasicofquestionnairesandkeycaseinvestigation，proceeding

2、fromtheconditionsofcapitaldemandsandfinancingconfiguration，itgivesaprofoundanalysisonactualoperatingstateandachievementonfinancingsystemofQingdaoSME，andalsopropoundsproposalsonrelievingthefinancingdifficultiesofSMEwithin

3、thepresentpoliciesFullreportisdividedinto4partsThefirstpart：GeneralanalysisonfinancingdifficultiesofSMEFortheSMEs，theirsmallscaleofassets，nottransparentonaccountinginformation，biguncertaintyOndealing，lesscapabilityonstan

4、dingeconomicimpactfromoutside，bringsthemmuchdifferenceonfinancingpatternwithotherbigenterprises，mainlymanifestedas：innerfinancingasmainchannel，debtfinancingasmainmanner，shorttermcapitalasmainfinancingterm，financingformpr

5、esentssystemappearance，capitaldemandsareperiodicallyandshowcharacteristicofindustryTherearetwothoughtsinacademeofanalysisonthefinancingdifficultiesofminorenterprise，oneiscapitalgaporequitycapitalgap，anotherisdebtfinancin

6、ggapordebtcapitalfinancinggap，theyexpatiateprofoundlyontheintrinsicreasonoffmancingdifficultiesofminorenterpriseThesecondpart：ArialysisonthefinancingchannelofSMEAtpresent，thefinancingchannelsofOingdaoSMEsarecomposedof4pa

7、rts：Enterprisesraisethefundsthemselves，thechannelsofcommercialbanks，theorganizationprovidesguaranteeandriskinvestmentcapital(government)Bythequestionnairesandstatisticalanalysisonthese36SME，thispartanalyzesontheirconfigu

8、rationofcapitaldemandsindifferentstages，channelsofgettingexternalcapital，thecapabilityofgettingexternalcapital，effectofbanklending，effectofagencyservice，theirevaluationonthefinancingdifficultiesetcandatlastitevoivCS8conc

9、lusionsThethirdpart：CauseofformationonfinancingdifficultiesofQingdaoSMEItisnotisolatedontheproblemsoffinancingdifficultiesfortheSMEs，ithasthereasonsoffinancialsystemandalsoinfectionoffactorfromthemselvesaswellasthepolici