中小企业融资问题研究-论文三稿.doc

摘 要 中小企业融资困难是个世界性的问题。中小企业通常实力较弱，资信程度不高。这些企业抵抗市场风险的能力不强，中小企业融资困难的原因存在于多方面创新是企业持续发展的根本所在，而中小企业因其经营环境及自身能力的制约，常常陷入需要创新以推进企业发展却又难以承担创新风险与投入的两难困境。 ABSTRCT The financing difficulties of SMEs is a global problem.SMEs are usually weaker, the credit is not high. These enterprises is not strong against market risk, the main reason for SME financing difficulties exist in many. In China, the financing difficulties of SMEs is widespread, has greatly restricted the economic development of SMEs, and how to solve the financing problem has become an urgent problem. Innovation and sustainable development of enterprises, small and medium enterprises for their operating environment and their own capacity constraints, are often caught in the need to innovate in order to promote enterprise development but difficult to bear the dilemma of innovation risk and investment. SMEs from the proactive fiscal policy and loose monetary policy of the system to benefit less on the problem of financing, largely of SME financing model. Solve the problem of financing SMEs, need to be refined from the choice of financing mode. Explore and analyze a variety of financing methods to crack the problem of financing has been related to Chinas future economic development trend, the economic situation of the enterprise to consider the enterprises internal and external factors contribute to the correct choice of the financing models for SMEs. Starting from the position of small and medium enterprises and in society, by analyzing the reasons for the difficulty of SME financing, to find a solution to the difficulties in financing measures, and then analyzes the SMEs how to choose according to their own development and the economic environment in which the financingmode to meet the funding needs of the business better and faster development. KEY WORDS：SME financing models, financing structure, financing strategies 目 录 前 言 10 第1章 概述 12 1.1中小企业在我国的定义及地位 12 1.2中小企业对我国经济发展的作用 12 第