（参考）中小企业融资难的解决方法.docxVIP

 PAGE \* MERGEFORMAT 15 学 生： 学 号： 专 业： 班 级： 指导教师： 二O一六年五月 陕西省中小企业融资难的问题对策与分析 摘要 资金是企业发展的血液，中小企业要快速、稳定、健康的发展离不开资金的支持，对于中小企业而言，成功的融资活动是其得以发展和壮大的基础条件之一，但是中小企业却在融资方面遇到了很大的困难，由于融资难的问题大大阻碍了我国中小企业的发展。中小企业融资难的原因中既有外部原因也有内部原因。解决企业的生存问题。在金融危机的强烈冲击下，相当一部分中小企业的生产、经营难以正常进行，甚至面临破产的境地。实时的融资，既解决了企业的燃眉之急，也避免了大量员工的失业，有利于企业的重新崛起，有利于国家的稳定。解决企业的发展问题。中小企业特别是科技型企业，完成起步后，就到了扩大规模高速发展的阶段。在这个时候，资金就成了发展的最大颈瓶。实时的融资，无疑就是给企业装上了腾飞的翅膀，不仅有利于企业自身的发展壮大，更是实现创新型国家之必需。中小企业存在的合理性和在经济中的重要作用，决定了必须重视中小企业的生存与发展。由于中小企业自身的特点，即规模小，可控资源更为稀缺，又往往处于快速发展阶段，需要大量的资金的投入。因此，中小企业的生存与发展，融资是其关键因素之一，然而目前中小企业融资的状况并不十分理想，如何结合中小企业的特点快速融资是本文主要研究的问题。 关键词：资金;中小企业; 融资;对策 Abstract Capital is the blood of enterprise development, the small and medium-sized enterprise to fast, steady and healthy development is inseparable from the financial support, for small and medium-sized enterprises, financing activities is one of the basic conditions for the development and growth, but small and medium-sized enterprises but in financing met great difficulties due to the problem of financing has greatly hindered the development of small and medium-sized enterprises of our country. The reasons for the financing difficulty of small and medium enterprises are both external and internal reasons. To solve the problem of enterprise survival. Under the strong impact of the financial crisis, a considerable part of the production and operation of small and medium enterprises, it is difficult to carry out, and even face bankruptcy situation. Real time of financing. It not only solves the urgent needs of enterprises, but also to avoid the large number of employees of the unemployment, the re emergence of the benefit to the enterprise, is conducive to the countrys stability. To solve the problem of the development of enterprises. Small and medium-sized enterprises, especially in science and technology enterprises, after the completion of the start, to expand the scale