中小型企业融资难的原因及对策——以广州某食品公司为例-金融-毕业论文.docx

中小型企业融资难的原因及对策 ——广州某食品公司为例 摘 要 中小企业是经济发展中最活跃的部分，不仅其主体数量庞大，且为国家提供了大部分的就业岗位，孵化有潜力的企业，为经济增长做贡献、保证了社会的公平安定。相较于大型企业，中小型企业能更加灵活的发展自身，在保证国民就业率，防垄断中有重要作用。中小型企业的发展逐渐被重视，对应的中小型企业发展理论也被逐渐完善，制定并使用了相关法律法规和政策举措，商业银行也在国家的倡导下尝试为中小企业提供更多的资金支持，但是随着中小企业融资难的问题愈发明显，融资问题仍然是限制中小企业发展的重要原因。 要解决中小型企业融资难的问题主要可以从两个方面入手，第一个是营造符合中小企业融资的优质融资环境，也代表着进行金融制度创新；第二个是从中小企业自身入手，改善自身信用情况，提升企业本身的竞争力，降低风险。 关键词 中小企业融资，融资环境，信用体系 The Difficulties and Countermeasures of Financing Difficulties of SME- A Case Study of a Food Company in Guangzhou Abstract SMEs are the most active part of economic development. They not only have a large number of subjects, but also provide most of the jobs for the country, incubating potential enterprises, contributing to economic growth and ensuring social fairness and stability. Compared with large enterprises, small and medium-sized enterprises can develop themselves more flexibly, and play an important role in ensuring national employment rate and anti-monopoly. The development of small and medium-sized enterprises has gradually been valued, and the corresponding small and medium-sized enterprise development theory has been gradually improved. Relevant laws, regulations, and policy measures have been formulated and used. Commercial banks have also tried to provide more financial support for small and medium-sized enterprises under the advocacy of the state. However, as the problem of financing difficulties for SMEs becomes more apparent, the financing problem is still an important reason for restricting the development of SMEs. To solve the problem of financing difficulties for small and medium-sized enterprises, we can start from two aspects. The first is to create a high-quality financing environment that meets the financing of SMEs, and it also represents the innovation of the financial system. The second is to start from the SMEs themselves and improve. Self-credit situation enhances the competitiveness of the company itself and reduces risks. Key words SME financing；Fi