中小企业融资难问题研究--A公司为例.docx

中小企业融资难问题研究——以A公司为例摘要中小企业作为国民经济的生力军,在吸收就业、活跃市场、稳定社会等方面具有重要作用,然而小中小企业融资难的问题一直是制约其发展的重要因素。小中小企业融资难从表面上看是由于小中小企业经营风险高,但本质上来说是由于银行与小中小企业之间信息不对称和风险管理上的激励不相容。当前利率市场化的不断推进,中小企业之间的竞争越来越激烈,这需要中小企业不断拓展小中小企业信贷市场,增加新的利润增长点。随着信息网络技术的发展,互联网将触角伸向经济生活的各个方面,包括金融领域。随着我国加速的金融业改革和不断加快的利率市场化进程，业务经营的自由已成为必然趋势，金融融资将和资本市场相互促进发展，因此要加快中小企业改革的步伐，大力开展中小企业金融融资，以此来实现发展战略的调整，才能和进驻我国的发达国家中小企业分庭抗礼，保护自身的客户支援和资金来源。总而言之，我国中小企业面临的经营环境和竞争环境都发生了巨大的变化，在面对分类经营的限制、发达国家中小企业的冲击以及自身的中小企业金融融资问题这些挑战时，向广阔的市场拓展成为我国中小企业的必然选择。本文以现代中小企业金融融资问题进行初步的分析与探讨，对现代中小企业的进行市场、营销有一个初步的分析与研究，对我国中小企业金融融问题提出了对策建议。关键词：融资困难融资模式新型融资管理融资优化Abstract Small and medium-sized enterprises as a force in the national economy, in the absorption of employment, an active market, social stability and so on has an important role. However, small and medium-sized enterprise financing difficult problem has been an important factor to restrict the development of. The small and medium-sized enterprise financing difficult on the surface is due to the small small business risk is high, but the essence is between banks and small and medium-sized enterprises because of information asymmetry and risk management incentive compatibility. The current interest rate market continues to advance, the competition among small and medium enterprises increasingly fierce, the needs of small and medium-sized enterprises to expand small SME credit market, adding new profit growth point. With the development of information network technology, the Internet will reach all aspects of economic life, including the financial sector. With the acceleration of Chinas financial sector reform and accelerating the process of marketization of interest rates, the freedom of business has become an inevitable trend, financing will and capital market to promote mutual development. Therefore, in order to accelerate the pace of reform of small and medium-sized enterprises, vigorously carry out financial financing of small and medium-sized enterprises, so as to realize the adjustment of