我国小微企业融资问题研究.docVIP

PAGE PAGE 16 我国小微企业融资问题研究 摘要：小微企业在我国的经济社会中据有十分重要的位置，在缓解社会就业难题、刺激市场经济、提升人民生活水平以及促进中国经济结构转型等方面具有无可替代的作用。然而，我国目前处于经济转型期，各项经济结构以及金融体系还不够完善，金融市场运营状况尚且不佳以及企业自身存在的问题，使得小微企业融资逐渐显露出来，并且愈演愈烈，已经严重制约当前时期中小微企业的成长。鉴于当前这种情况，本文首先对当前形势下的小微企业融资中存在问题分别从小微企业自身融资风险、小微企业融资渠道和政府融资服务体系三个角度来进行分析，然后从小微企业自身、银行等金融机构和政府政策三个角度提出一些相关的建议，希望能够对小微企业融资问题的解决有一定的理论和实践意义。 关键词：小微企业企业融资融资对策 Study on Financing of Small and micro businesses Abstract: The small and micro enterprises in Chinas economy and society, according to a very important position, has an irreplaceable role in alleviating social problems of employment, an active market economy, improving peoples livelihood and promote economic restructuring and so on. However, Chinas economy is currently in transition, the economic structure and financial system is still not perfect, yet poor operating conditions in financial markets and the problems of their own, so that small and micro enterprise financing is gradually revealed and intensified, and has severely restricted current period small micro-enterprise development. Based on this, the first of the current situation of small micro-enterprise financial problems were three small micro-enterprise point of view of their own financial risk, small micro-enterprise financing and government financing service system to be analyzed and their own small and micro enterprises, banks and other financial institutions and government policy proposed three angles of some suggestions, hoping to small micro-enterprise financing problem solving certain theoretical and practical significance. Key word: Small and micro businesses Corporate financing Financing Strategies 一、小微企业融资现状 （一）小微企业融资需求情况 在过去较长的一段时期以及在可预见的未来，融资问题始终都是限制着小微企业发展的重要因素。从融资需求的方面来看，自2007年起，我国的小微企业在融资需求上就是以每年10%以上的速度在高速的增长，然而，即便是在国家出台了对小微企业融资的一系列优惠政策的情况下，资金需求缺口的扩大速度也是达到了每年13%左右，对小微企业来说，实际所能够筹集到的资金还是较明显地低于企业自身对于资金的需求。根据相关机构在2015公布的《中国小微企业白皮书（2014）》来看，小微企业在资金缺口方面，在一年的时间范围里，约有48%的企业出现缺口的次数在1-2次，另外，约有43%的企业出现资金周转缺口的次数随着企业的经营发展状况而变化。在资金周转缺口金额方面，小微企业的平均金额在7