河南中小企业融资浅析.docxVIP

摘要 随着市场经济的不断深入发展、中小企业数量的与日俱增，中小企业在我国市场经济的地位也愈来愈明显，如今已成为推动社会经济持续协调发展的中坚力量，而资金作为其发展壮大的原始动力，影响着它的健康成长，因此中小企业的融资难问题成为了社会备受关注的焦点。怎样认识并解决此项问题，一直以来收到人们的高度关注。本文以河南省中小企业为例，通过大量查阅、收集、梳理中小企业融资难方面的文献资料，了解了中小企业的融资现状及存在问题，深入剖析了中小企业融资难的原因，最后据此提出了针对性的政策建议。 对于中小企业而言,要想企业融资道路不再坎坷，从内部环境分析，务必要加强自身信用制度的建设。无论是对银行还是社会金融机构来说，相对而言，对具备良好信用制度的企业放贷无疑是在很大程度上降低了自己的投资风险。从外部环境分析，一方面政府要出台一系列的财政、税收扶持政策，建立健全担保法律制度体系。另一方面社会上的一些金融机构也要积极开发引导民间资本以此拓宽融资渠道。 关键词 ：中小企业；融资难；河南省 Abstract With the development of market economy, the number of small and medium-sized enterprises grow with each passing day, small and medium-sized enterprises in Chinas market economy status is more and more obvious, has now become the backbone of promoting sustainable development of social economy, and capital as its development and expansion of the original power, it affects the healthy growth of the small and medium-sized enterprise financing difficult the problem has become the focus of social concern. How to understand and solve this problem, has received great attention. The small and medium-sized enterprises in Henan Province as an example, through extensive literature, collecting, combing the literature to understand the financing of small and medium-sized enterprises, the financing situation of small and medium enterprises Existing problems, in-depth analysis of the reasons for the financing difficulties of SMEs, and then put forward the corresponding policy recommendations For small and medium-sized enterprises, to the enterprise financing road is no longer rough, from the analysis of the internal environment, must strengthen the construction of their own credit system. Whether the bank or social financial institutions, relatively speaking, to have a good credit system lending business is to reduce their investment risk to a great extent. From the analysis of the external the environment, on the one hand the government to introduce a series of financial and tax policies, establish and perfect the