目 录
第一章 中小企业现状及问题
一、中小企业的现状·················································2
二、中小企业的基本特征·············································2
（一）数量大、比重大···············································3
（二）产出规模小、技术装备率低·····································3
（三）投资主体多元化···············································3（四）生产经营市场调节·············································3（五）主要面向国内市场·············································3
（六）中小企业主要集中在劳动密集型产业·····························4
三、中小企业存在的问题············································4
规模狭小，过于分散···········································4
基础设施落后，技术水平低下···································4
就业素质不高，管理水平低·····································4
企业产权模糊，企业内部组织关系不稳···························5
第二章 中小企业改革势在必行
一、中小企业的固有缺陷·············································6
（一）自身信用能力不足，失信行为严重·······························6
（二）企业制度自身缺陷较多，缺乏规范化管理·························6
（三）企业资本缺乏，内源融资能力不足·······························7
（四）融资观念陈旧，融资渠道单一···································7
三、中小企业改革的必要性···········································7
（一）中小企业创新改革是建设创新型国家的需要·······················7
（二）中小企业创新改革是激烈的市场竞争的需要·······················7
第三章 中小企业改革
一、中小企业的改革发展方向·········································9
（一）增强自身信用能力·············································9
（二）建立健全规范化管理···········································9
（三）完善融资管理体系·············································10
二、中小企业的改革发展趋势········································10
（一）加快发展速度·················································11
（二）企业集群的出现················································12
内 容 摘 要
改革开放以来，中小企业得到了快速发展，中小企业已成为促进我国经济持续快速发展的生力军，对于我国经济的稳定、健康发展具有重要作用。现阶段，中小企业为大量下岗工人提供较多的就业岗位、为年轻人提供更宽的创业途径，中小企业跟大中企业相比存在明显的优势，如具有规模较小、风险较小、市场适应能力强，但是主要存在的缺陷也很明显，如管理水平落后、竞争能力差、资金人才缺失等。本人主要针对我国中小企业的改革与发展进行研究和探讨，提出一些改革和发展思路。
关键词：中小企业发展 分析问题 改革 对策 意见
