小微企业融资问题研究.pdfVIP

小微企业融资问题研究 摘要 小微企业在我国经济发展中处于基础性地位，在经济转型升级的背景下，对保持经 济平稳增长、维持社会和谐稳定、改善社会民生具有积极作用。然而，金融资源供给不 足已成为困扰小微企业发展的首要问题，企业想要生存发展就不得不想办法解决融资难、 融资贵这一棘手问题。但是，由于小微企业自身产品竞争力较弱；管理松散、透明度差， 且信用观念淡薄；其需求偏好有着自身独特性，对资金的需要主要是 “少、频、急”； 加之银企间信息不对称，导致真正能够满足其融资需要的金融机构少之又少。此外，政 府支持力度的缺失、政策制定的不完善等也使得小微企业在寻求融资时处于尴尬地位。 本文从小微企业融资现状入手，通过分析其在融资过程中所面临的种种问题，力争找到 有效的解决方法，以改善制约小微企业发展的融资难题。帮助小微企业走出融资困境， 得到更好地发展。 关键字：小微企业；融资现状；原因；解决途径 I Abstract Nowadays, small and micro enterprises play a cornerstone in the development of economy in China. Under the background of economic transition and updating, small and micro enterprises not only maintain steady economic growth and social harmony, but also provide a positive effect with improving people’s livelihood. However, the problem of financial resources supplied insufficiently has become the primary issue in process of enterprises development. Small and micro enterprises have to find some ways to solve the tough problem of financing, if they want to exist safely and develop steadily. While due to the feature of production and management, small and micro enterprises have a unique demand preference. Moreover the asymmetric information between banks and companies leading to the financial institution is less and less which can meet the needs of financing. In addition, the lack of governmental supports and the imperfection of policy-making also make small and micro enterprises in an awkward position when they seek financing. This dissertation will start with the present financing situation of small and micro enterprises, analyzing