【精品】中小企业融资困境及对策分析.doc

中小企业融资困境及对策分析 [内容摘要] 随着经济全球化趋势的发展，我国改革开放的进一步深入，企业发展的外部环境和内部条件正在发生迅速变化。我国的中小企业主要是民营企业获得了迅速发展，已成为国民经济的重要组成部分，成为我国全面实现小康目标的重要力量，在发展经济﹑扩大就业﹑活跃市场等方面发挥着重要作用。但是由于其规模相对较小、科技含量整体相对较低等客观条件的限制，中小企业要在未来激烈的国内外市场竞争中获得长足发展，现实中面临着许多环境障碍融资难问题日益成为培养企业核心竞争力、解决其他问题的前提和关键。　　因此，如何解决中小企业融资难的问题成为迫切需要研究的课题。提高中小企业融资能力，化解金融困境。With the trend of economic globalization, the development of Chinas reform, opening up further, the development of the enterprise internal and external environment condition is undergoing rapid change. The medium and small enterprises in China mainly is gained rapid development of private enterprises, has become an important part of the national economy and become Chinas overall realize the well-off society, an important force in developing economy, expanding employment, such as the active market plays a significant role. But because of its smaller, technological content overall relatively lower objective conditions restriction, small and medium-sized enterprises want to in the future the fierce market competition at home and abroad, and achieved great progress in reality is faced with many environmental barrier, including financing difficult problem is increasingly becoming cultivate enterprise core competitive ability, with other problems the premise and key. Therefore, how to solve the financing difficulty question becomes the urgent need of research. This paper embarking on of financing difficulties of profound anatomy and the countermeasure analysis, the author proposed the financing rating system, not only needs to pay attention to the asset-liability ratio, liquidity ratio, asset returns, inventory turnover such financial index analysis, also needs to pay attention to the enterprises growth, innovation, development potential, and industry status influence on the enterprise analysis of factors. Constructing financing rating index system is helpful to improve the financing capability and defuse financial difficulties. [KEY WORDS] Small and medium-sized enterpr