我国企业融资问题探讨.docVIP

摘 要 中小企业是我国国民经济的重要组成部分,在经济社会发展中具有大企业无法替代的特殊的战略地位。小企业作为活跃市场的基本力量,容纳了社会上大多数的就业人员,在促进经济增长及解决就业和再就业过程中,发挥着重要作用。融资难造成中小企业融资方式单一，融资渠道狭隘，融资结构存在许多缺陷对当前影响我国中小企业发展的融资问题进行分析Abstract Small and medium-sized enterprises (SMES) are an important part of the national economy, in economic and social development has big enterprise irreplaceable special strategic position. Small and medium-sized enterprises (SMES) as a basic power of active market, contain most of the society employment, in promoting economic growth and solve the employment and reemployment process, play an important role. The development of small and medium-sized enterprises need strong financial support, but because the enterprise itself and Chinas economic system and so on various reasons, causes our country small and medium-sized enterprise widespread financing difficult problem. Financing difficulties of small and medium-sized enterprises in our country in the development speed. This article from the small enterprises themselves, financial institutions, positioning, and development of small and medium-sized enterprises supporting policies and legal environment and the social credit environment, etc, to influence the development of small and medium-sized enterprises of our country the current financing problems and the causes are analyzed. Therefore, according to the characteristics of small and medium-sized enterprises financing in China, how to strengthen the construction of small and medium-sized enterprise itself; How to establish and improve the corresponding policies, legal system; How to broaden the financing channels; How to cultivate a good credit environment and puts forward some Suggestions. Keywords Small And Medium-sized Enterprises Financing Problems Financial System Guarantee System 目 录 引言 1 一、 中小企业融资概述 2 （一） 中小企业的含义及作用 2 （二） 中小企业融资的含义及途径 3 二、 我国中小企业在融资过程中存在的问题 6 （一） 自有资金缺口大 6 （二） 直接融资渠道狭窄 6 （三） 间接融资渠道不畅通 7 三、 我国中小企业融资存在问题的原因分析 8 （一） 从企业自身层面来看 8 （二） 从政府层面来看 9 （三） 从金融机构层面来看 10 （四） 从担保