论我国中小企业融资存在的问题及解决对策修改-).docxVIP

论我国中小企业融资存在的问题及解决对策 摘 要 当前我国的中小企业发展迅速，中小企业的重要性也来越明显，在社会经济中所起的作用也越来越大。同时，中小企业在资金和规模上处于弱势，造成企业的竞争力有限，尽管现在很多企业也对融资问题加强了重视，从融资渠道和融资结构上进行优化，政府和社会对企业融资的扶持力度也有所加强，各种金融机构也开始出现，但是，但是基于中小企业本身规模较小和融资的意识不强，中小企业的融资问题仍然是中小企业发展的一大阻力。本文通过参考文献资料和分析中小企业融资的现状，找出中小企业融资的存在的问题及其原因，并结合自身所学理论知识，提出一些可行性解决方案，为中小企业融资给予一定的借鉴作用。 关键词 中小企业 融资问题 对策 Abstract At present, Chinas small and medium-sized enterprises are developing rapidly, the importance of small and medium-sized enterprises is also more obvious, the role played in the social economy is also growing. At the same time, small and medium enterprises in the capital and scale in a weak, resulting in limited competitiveness of enterprises, although many companies are now on the financing issues to strengthen the attention, from the financing channels and financing structure to optimize the government and society to support corporate finance But also based on the small size of small and medium enterprises and financing awareness is not strong, small and medium enterprises financing problem is still a major resistance to the development of small and medium enterprises. This paper, by referring to the literature and analyzing the current situation of the financing of small and medium-sized enterprises, finds out the problems and the reasons of the financing of small and medium-sized enterprises, and puts forward some feasible solutions according to their own theoretical knowledge, and gives some reference for the financing of small and medium-sized enterprises Key words Small and medium enterprises Financing problem Countermeasure 目 录 TOC \o 1-3 \h \u HYPERLINK \l _Toc481080895 1 引言 1 HYPERLINK \l _Toc481080896 2 我国中小企业融资现状和难点分析 1 HYPERLINK \l _Toc481080897 2.1 融资现状分析 1 HYPERLINK \l _Toc481080898 2.1.1 融资渠道和融资方式 1 HYPERLINK \l _Toc481080899 2.1.2 融资的结构 2 HYPERLINK \l _Toc481080900 2.1.3 融资需求 2 HYPERLINK \l _Toc481080901 2.2 融资难点 2 HYPERLINK \l _Toc481080902 2.2.1 自身劣势导致直接融资途径匮乏 2 HYPERLINK \l _Toc481080903 2.2.2 资金