浅析我国中小企业筹资方式和筹资渠道.doc

摘要 随着社会主义市场经济体制改革的不断深化，中小企业以灵活快速的决策机制，逐渐成为我国经济建设的一支重要力量，对推动国民经济发展、促进市场繁荣和社会稳定做出了巨大贡献，在缓解就业压力、优化经济结构、应用新技术和增加税收等方面发挥着越来越重要的作用。在为我国经济发展做出巨大贡献的同时，中小企业在资金、技术、人才、信息等各方面都存在亟待解决的问题。伴随技术的进步生产规模的扩大和偿还债务，单纯依靠企业内源融资难以满足企业资金需要，逐渐取向外源融资。中小企业的筹资面临着诸多问题，造成中小企业融资难的主要原因：一是中小型企业规模小，效益不稳定难以形成对信贷资金的吸引力；二是中小企业管理中存在许多薄弱环节，抗风险能力弱；三是商业银行的体系影响中小企业的贷款；四是中小型企业规模小，能抵押的资产少，融资担保难；五是缺乏多层次的资本市场，对中小企业直接融资支持不够；六是相关法律制度缺位，正常的市场秩序难以建立等。本文通过对企业选择融资的方式和渠道上进行阐述中小企业在谋求自身发展过程中应注意的问题。 关键词：中小企业；筹资渠道；筹资方式 Abstract As the socialist market economic system reform continued to deepen, small and medium enterprises in a flexible rapid decision-making mechanism, gradually become China's economic construction has been the main force, to push the development of national economy, promoting market prosperity and social stability made enormous contribution, in alleviate obtain employment pressure, optimizing the economic structure, the application of new technologies and increased the respect such as taxation play an increasingly important role in. In China's economic development has made a tremendous contribution at the same time, small and medium-sized enterprises in the capital, technology, talent, information and other aspects of problems urgently to be solved. As technologies progressive expansion of production scale and pay down debt, rely on enterprise internal financing is difficult to meet the capital needs of enterprises, gradual orientation of external financing. Sees of financing faced with many problem, caused Sees financing difficult of main causes: a is small and medium enterprise scale small, benefit does not stability difficult to formed on credit of attractive; II is Sees management in the exists many weaknesses, anti-risk ability weak; three is commercial banks of system effect Sees of loan; four is small and medium enterprise scale small, can mortgage of assets less, financing guarantees difficult; five is lack more level of capital markets, on Sees directly financing support enough; six is relate