论中小企业融资困境选编.doc

论中小企业发展现状与困境 【摘要】【关键词】 Analysis of Financing of Small and Medium Sized Enterprises Abstract：Since the reform and open policy, our country small and medium-sized enterprises get rapid development, played a role in the national economy has become increasingly apparent. However, at present, the reform and opening up has the crucial phase, on the one hand, the traditional financial institutions in our country have already cant meet the needs of small and medium-sized enterprises for capital, on the other hand, due to the development of small and medium-sized enterprises subject to long-term insufficient funds bottleneck constraints, facing the increasingly serious survival plight, the urgent need for transformation and upgrading. In order to solve the problem of small and medium-sized enterprise financing, since the third plenary session of the eighteenth introduced a number of policies to promote small and medium-sized enterprise development correctly, and guide the folk financing sunlight also became the governments focus on the problem. This article through the analysis of the financing difficulties of small and medium-sized enterprises the status quo, combined with some cases, part summed up the experience and lesson, construct the system of the development of small and medium-sized enterprise development in our country. ?Key words: small and medium-sized enterprises financing difficulties transformation and upgrading 目 录 摘 要 …………………………………………………………………………ⅰ Abstract……………………………………………………………………………ⅱ 图表目录 …………………………………………………………………………ⅳ 引言 …………………………………………………………………………1 文献综述……………………………………………………………..............2 三、中小企业发展现状……………………………………… … ................4 （一）发展现状..............................................................................................4 （二）社会价值..............................................................................................5 四、中小企业经营困难原因分析……………...………………….......................6 （一）融资难的原因分析................................