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1、哈尔滨商业大学广厦学院毕业论文I摘 要中小企业作为活跃市场的基本力量，容纳了社会上大多数的就业人员，在促进经济增长及解决就业和再就业过程中，发挥着重要作用。中小企业的发展需要强有力的金融支持，但由于企业自身和我国经济体制等多方面的原因，致使我国中小企业普遍存在的融资难的问题，融资难造成中小企业融资方式单一，融资渠道狭隘，融资结构存在许多缺陷。融资难严重制约了我国中小企业的发展速度。目前的全球经济危机对我国中小企业的生存和发展产生了很大的影响，不少中小企业因为缺乏资金，面临着即将倒闭的困境，而且从更长远的角度来看，融资难问题已经成为阻碍中小企业发展的主要原因。想要解决中小企业生存和发展上的障碍，
2、能够想尽办法解决中小企业融资问题，无疑是一条有效的途径。在当前经济发展的情况下，采取什么样的办法解决中小企业的融资问题是值得我们去探讨的。文章以黑龙江成宇公司为研究对象，对民营企业融资问题进行了探讨，从企业自身角度研究民营企业融资决策问题，找出符合企业的融资方式、渠道以及提高企业管理水平的思路来解决融资难问题，并结合黑龙江成宇公司的实际，提出了实现成宇有限公司融资的具体对策。关键词 ：融资；融资方式；融资渠道哈尔滨商业大学广厦学院毕业论文IIAbstractSmall and medium-sized enterprises as an active market of the fundame
3、ntal forces, up to the most of the persons in employment,in the promotion of economic growth and employment and re-employment process, play an important role. The development of small and medium enterprises need strong financial support, but the enterprise itself, and Chinas economic structure, and
4、many other reasons, with the result that our small and medium-sized enterprises generally there is the problem of difficulties in financing, financing difficulties caused by small and medium-sized enterprise financing and financing channels narrow, financing structures there are many defects. financ
5、ing difficulties have severely hampered our small and medium-sized enterprises of the pace of development. The current global economic crisis on our small and medium-sized enterprises of the survival and development have had a significant impact, and many small and medium-sized enterprises because o
6、f a lack of resources, and faced with the collapse of the plight, and in the longer-term perspective, the availability of financing difficulties have become an obstacle for SME development.Want to solve small and medium-sized enterprises to survive and develop,the obstacles, and to be able to do his
7、 best to address small and medium-sized enterprises, there is no doubt that an effective approach. In the current situation of economic development in the next, what kind of approach to small and medium-sized enterprise financing is worthwhile for us to explore.Article to Heilongjiang Sung-woo co. ,
8、 ltd. As the object of study, and to the private enterprise financing problems, from their own perspective on the private corporate finance decision-making problems and meet the financing of enterprises, channels, as well as increased level of management ideas to solve the financing problem of diffi
9、cult, and Heilongjiang Sung-woos actual, proposed the Sung-woo co. , ltd. financing of specific measures.Key words: finance financing; financing channels哈尔滨商业大学广厦学院毕业论文III目 录摘 要 .IABSTRACT.II一、绪 论 .1（一）研究背景 .1（二）研究目的和意义 .11.研究目的 .12.研究意义 .1（三）国内外研究现状 .21.国外研究现状 .22.国内研究现状 .2（四）研究方法及思路 .31研究方法 .32研究思路 .3二、融资理论综述 .4（一）信贷配给理论 .4（二）股权约束理论 .4（三）优序融资理论 .4（四）融资渠道相关理论 .51.资金来源 .52.融资方式 .6三、黑龙江成宇公司融资相关状况 .9（一）公司简介 .
