中小企业融资机制的瓶颈与创新.doc

中小企业融资机制的瓶颈与创新 [摘要]中小企业在国民经济中的位置越来越重要，小企业是市场活跃的基本力量，它在促进我国经济增长和缓解就业压力方面是大企业无法做到的，它们的存在容纳了社会上大部分的就业人员。但是中小企业的发展离不开金融机构的支持，然而，由于中小企业本人发展问题和我国目前的经济体制等多方面的原因，导致我国中小企业普遍存在融资瓶颈的问题。融资机制瓶颈造问题主要有融资方式单一、结构缺陷、渠道狭隘等。在全球经济萎靡不振的今天，融资机制瓶颈问题的解决对于中小企业的发展尤为重要。很多企业因为融资问题不能解决而直接面临倒闭。从这个角度看，融资难已经严重制约了企业的发展速度。如今，如果想尽快的解决中小企业在发展中遇到的障碍，首先就要解决融资机制瓶颈的问题。在如今的经济体制下，探究一条解决融资瓶颈的机制是迫在眉睫的，也是很有意义的。 本文的第一部分首先对国内外相关的融资理论进行了阐述；紧接着第二章对国内中小企业融资瓶颈现状及其原因进行了分析，这一部分的内容充分利用了第一章的融资理论；文章的最后针对前面国内融资瓶颈问题产生的原因，提出了相应的解决措施。 [关键字]中小企业融资 投融资关系 融资机制创新 The Dilemma And Innovation of Small Business Finance Abstract small and medium-sized enterprises in the national economys position more and more important, small business is the basic power of market activity, it in promoting Chinas economic growth and alleviate the employment pressure is big business cant do, they are home to most of society employment. But the development of small and medium-sized enterprises cant depart from the support of financial institutions, however, due to the small and medium-sized enterprise development problems and Chinas current economic system and so on various reasons, causes our country small and medium-sized enterprise widespread financing bottleneck problem. Financing mechanism bottleneck problems mainly are financing a single, structural defects and narrow channels, etc. In todays global economic malaise, financing mechanism bottleneck problem for the development of small and medium-sized enterprises is particularly important. Many enterprise directly facing bankruptcy because of the financing problem cant solve. From this perspective, financing difficulties have severely restricted the development of enterprise. Now, as soon as possible if you want to solve the obstacles in the development of small and medium-sized enterprises, to solve the problem of financing mechanism bottlenecks in the first place. In todays economy, to explore a mechanism to solve the financing bottleneck is imminent, also is very meaningful. The first part of