浅析我国中小企业融资难问题.docVIP

浅析我国中小企业融资难问题 ［扌商要］中小企业发展是一个世界性的问题，解决其发展过程中的融资问题是各国经济发展 的重要冃标。中小企业作为我国经济的重要组成部分多数面临着融资困境，所以寻求一种促 进我国屮小企业顺利融资的可行方案具有现实意义。在解决我国屮小企业融资困境问题时， 一般观点认为需要完善资本市场结构，拓宽直接融资渠道，加大政府扶持力度，加强信用担 保机构建立以及鼓励民间融资等措施。但是我国绝大多数中小企业都属于劳动密集型，它们 进行融资多是依靠间接融资渠道中的金融机构贷款。本文以我国中小企业融资现状及特点的 分析为出发点，从企业自身、政府、银行、资本市场及担保体制等原因来分析中小企业的融 资难问题，并提出解决问题的对策。 ［关键字］中小企业融资信用担保 Analyses our country small and medium-sized enterprise financing difficult problen [Abstract] Small and Medium-Sized Enterprises(SME) development is a global problem to solve in the process of its development financing is an important national economic development goals. SME as an important component of Chinas economy is faced with financing part of the plight of the majority, so the promotion of SME looking for a smooth financing options have practical significanee. Chinas SME in addressing the plight of the issue of financing, the general view is that the structure of capital markets need to improve and broade n direct finan cing cha nn els, to in crease govemme nt support, and strengthe n the establishment of credit guarantee institutions, as well as measures to encourage private financing. However, the vast majority of small and medium enterprises in China are labor-intensive, they are relying on the in direct fin anci ng cha nnels of financing loans from financial institutions. In this paper, the financing of Chinas SME and features an analysis of the status quo as the starting point, from the enterprises themselves, the Government, ban king, capital markets and security systems to an alyze the reasons of financing SME issues and put forward solutions to this problem? [Key words] Small and medium-sized enterprises Financing Credence Guarantee TOC \o 1-5 \h \z 引言 4 HYPERLINK \l bookmark2 \o Current Document \h 一、 我国屮小企业的融资现状及特点分析 4 HYPERLINK \l bookmark4 \o Current Document \h （-） 中小企业的界定 4 HYPERLINK \l bookmark6 \o Current Document \h （二） 我国中小企业融资结构现状 5 HYPERLINK \l bookmark8 \o Current Document \h （三） 我国中小企业融资的主要特点 7 HYPERLIN