我国中小企业融资问题探讨.doc

贵州大学本科毕业论文（设计） 第 1 页 我国中小企业融资探讨 摘要 随着市场经济的进一步发展，中小企业已成为我国国民经济的基础，整体实力在不断壮大。近些年来：中小企业在扩大就业；带动民间投资；优化经济结构；推动技术进步；推进区域发展，缩小发展差距；创新企业制度；发展地方经济；增加出口；实现产业升级；降低社会分配不公；推动了城市化以及农业化的进程；保障了社会稳定；提升了地方经济实力；是经济发展中极富生命力的增长极。然而：大多数中小企业都面临着融资难的困境，严重阻碍了中小企业的发展，如何解决中小企业在融资中的问题呢？应从加强自身的财务管理和信用等方面着手，多元化融资方式，拓展融资渠道。针对经济发展缓慢的中小企业，本文在工作实践的基础上，对造成中小企业融资难的内部，外部因素的不同进行了深刻的剖析，并提出了我国中小企业在融资过程中出现的问题，针对问题提出了解决中小企业融资难的措施。并确信在政府和社会的共同关注下，中小企业将会健康快乐的发展。 关键字： 中小企业 融资渠道 融资方式 途径 策略 贵州大学本科毕业论文（设计） 第 2 页 Financing of SME in China??????????????????????? ?Abstract???With the further development of market economy, SME have become the foundation of our national economy, the overall strength has grown.?In recent years: small and medium enterprises in the expansion of employment; boost private investment; optimize the economic structure; promote technological progress; to promote regional development and narrow the development gap; innovative enterprise system; the development of local economy; increase exports; to achieve industrial upgrading; reduce social inequities;?promote urbanization and agriculture of the process; protect the social stability; improve the local economic strength; is very vitality of the economic development of the growth pole.?However: Most SME are faced with financing difficulties, a serious impediment to the development of SME, how to solve the financing problem of SME in it??Should strengthen its financial management and credit and other aspects, diversified financing, expanding financing channels.?Slow economic development for small and medium enterprises, the paper work practice based on the SME financing difficulties caused by internal and external factors had a profound analysis of the different and made the process of SME financing problems for?put forward measures to solve the financing difficulties of SME.?And believe in the government and the communitys com