中小型企业的融资困境与途径探讨.doc

中小型企业的融资困境与途径探讨 [摘要] 中小企业作为国民经济的重要组成部分，在国民经济发展中处于举足轻重的地位。然而，在其发展的过程当中，由于各方面的原因，产生了融资困难的问题，使得其发展受到阻碍，融资难已经成为中小企业发展的瓶颈。如何解决中小企业融资困难的问题，有效的缓解中小企业资金紧张情况，已经成为社会各界共同关注的课题。本文在分析中小企业融资现状及其融资困难原因的基础上，提出了就如何改善中小企业融资困难现状、拓宽中小企业融资渠道提出一些对策建议。从而对帮助中小企业融资，扶持中小企业发展将起到一定的促进作用。 [关键词] 中小企业 融资难 原因 对策 Small and medium sized Enterprises Financing Dilemma and way to discuss [Abstract] The small and medium-sized enterprises as an important part of the national economy, in the development of national economy in the balance of power. However, in its developing process, for several reasons, produced the financing difficulties of problem, make its development was hampered financing has become small and medium-sized enterprise development of a bottleneck. How to solve the financing difficulties of small and medium-sized enterprises problem, the effective relieve tense situation, the capital requirements of small and medium enterprises has become the concern of social all circles. Based on the analysis of the present situation and sme financing based on the cause of financing difficulties, and puts forward how to improve current financing difficulties of small and medium-sized enterprises, widen smes financing channel puts forward some countermeasures. Thus, to help smes financing support small and medium-sized enterprise development will play a certain stimulative effect. [Key words] SMEs Difficulty Of Financing Reasons Countermeasures 目 录 　 摘要…………………………………………………………………………………3 Abstract……………………………………………………………………………3 0 前言………………………………………………………………………………6 1 中小企业融资相关理论…………………………………………………………6 1.1 中小企业相关理论…………………………………………………………6 1.1.1 中小企业的含义………………………………………………………6 1.1.2 中小企业的界定………………………………………………………6 1.2 中小企业融资相关理论……………………………………………………6 1.2.1 中小企业融资含义……………………………………………………6 1.2.2 中小企业融资方式……………………………………………………6 2 中小企业融资现状………………………………………………………………7 2.1 怎样认识中小企业融资困难………………………………………………7　　　　　　　　　　　 2.2 中小企业直接融资渠道不畅，资本市场单一……………………………7 2.3 中小企业融资间接融资渠道单一，融资成本高…………………………7 3 中小企业融资困难原因………………………………………………………8