我国中小企业融资存在困难与建议6.docVIP

PAGE 我国中小企业融资存在困难与建议摘要：改革开放以来，中小企业在经济中的地位日益重要，成为国民经济中一支不可忽视的力量。然而，由于美国次贷危机引发的金融危机波及全球，大量中小企业面临原材料涨价、用工成本提高、订单骤减、应收账款回收期加长等一系列问题，资金支付压力加大，一大批中小企业资金链断裂纷纷破产，中小企业“资金贫血症”横行，严重制约了我国中小企业的发展，因而如何创新和拓展中小企业融资渠道，破解中小企业资金融资困境，对于稳定我国社会经济秩序，促进我国经济健康高速发展有着十分重要的意义。关键词: 中小企业；融资；困难；建议Problems?and suggestions?of financing of small and medium-sized?enterprises of our countryAbstract: Since the reform and opening up,?small and medium-sized enterprises (SME) in the increasingly important?position in economy,?become?an indispensable?force in the national economy.?However,?due to?America?subprime mortgage crisis triggered by the financial?crisis spread to the world, a large number of SME are facing?raw material prices,?labor costs?increase,?orders dropped,?a series of problems?such as?accounts receivable?recovery period is?lengthened,?fund payment pressure increase,?a?large number of SME fund chain?break?went bankrupt,?SME money?anemia?rampant,?seriously?restricting the development of SME in China,?so?how to innovate and expand financing channels for SME to?solve SME financing ,?financing difficulties,?for the stability of our social and economic order,?has a very important significance?to promote?the rapid development of our economy.Key words: Small and medium-sized?enterprises; Financing; Problems; Suggestions.目 录 TOC \o 1-3 \h \z \u HYPERLINK \l _Toc387159144 一、引言 PAGEREF _Toc387159144 \h 1 HYPERLINK \l _Toc387159145 （一）中小企业概述 PAGEREF _Toc387159145 \h 1 HYPERLINK \l _Toc387159146 （二）中小企业融资的经济学理论依据 PAGEREF _Toc387159146 \h 1 HYPERLINK \l _Toc387159147 （三）中小企业融资现状 PAGEREF _Toc387159147 \h 2 HYPERLINK \l _Toc387159148 （四）中小企业融资需求分析 PAGEREF _Toc387159148 \h 3 HYPERLINK \l _Toc387159149 二、我国中小企业融资存在问题 PAGEREF _Toc387159149 \h 4 HYPERLINK \l _Toc387159150 （一）环境因素 PAGEREF _Toc387159150 \h 4 HYPERLINK \l _Toc387159151 （二）自身因素 PAGEREF _Toc387159151 \h 6 HYPERLINK \l _Toc387159152 三、中小企业融资难的成因分析 PAGEREF _Toc387159152 \h 7 HYPERLINK \l _Toc387159153 （一）金融危机的影响 PAGEREF _Toc387159153 \