中小企业融资困境及对策分析摘要随着改革开放进程不断深化，中小企业的快速育成对促进区域经济发展，增加就业机会，减少就业压力，促进中国经济的健康快速发展，做出突出贡献。不能忽视的是，中小企业的深入发展受到强大阻力，主要反映在中小企业在企业发展过程中的融资问题上，其阻碍了中小企业的蓬勃发展。本文在深入研究中小企相关理论和融资现状的前提下，全面、系统分析中小企业融资难融资渠道，然后通过导致我国中小企业陷入融资困境的因素分析，进一步探求解决中小企业融资问题的大方向，最后得出对于我国中小企业融资难的对策建议，为我国中小企业走出困境做点贡献。关键词：融资困境中小企业对策AnalysisontheFinancingDifficultiesofSmallandMedium-sizedEnterprisesandtheCountermeasuresAbstractSincethereformandopeningup,therapiddevelopmentofChina'ssmallandmediumenterprisesfortheregionaleconomicdevelopment,increaseemployment,easeemploymentpressure,promoteChina'ssustainedeconomicgrowthhasplayedanincreasinglyimportantrole.However,thefurtherdevelopmentofsmallandmedium-sizedenterprisesisbecomingmoreandmoreseriousdifficulties,especiallythefinancingproblemhasbecomeoneofthebiggestobstaclestothedevelopmentofsmallandmediumenterprises,seriouslyhinderthedevelopmentofsmallandmediumenterprises.Thefirstpartofthispaperisthedefinitionofsmallandmediumenterprisesandtheroleofstatus.Thesecondpartanalyzesthefinancingchannelsofsmallandmedium-sizedenterprisesanditscurrentsituation.ThethirdpartoftheanalysisofChina'sprivateenterprisesfinancingfactors,soastosolvetheproblemoffinancingsmallandmediumenterprisesinChinapointedoutthedirection.ThefourthpartdiscussesthecountermeasuresandsuggestionsforthefinancingofprivateenterprisesinChina,soastoputforwardconcretemeasuresforthesolutionofthefinancingdifficultiesofprivateenterprisesinourcountry.Keywordsequitytradingsmallandmediumenterprisescountermeasures目录摘要...............................................................1引言...............................................................5第一章中小企业融资的基本理论.................................61.1中小企业的界定标准...........................................61.2中小企业的地位与作用.........................................81.3中小企业的特征...............................................91.3.1量大面广，机构简单，效率较高................................91.3.2经营机制灵活，应变能力较强..................................91.3.3规模较小，资金不足，分工协作水平低...........................91.3.4员工素质低，管理制度不全面，竞争力低........................101.4中小企业的融资渠道..........................................111.4.1内源融资和外源融资........................................111.4.2外源融资的渠道...........................................11第二章我国中小企业融资困境分析...............................132.1中小企业融资现状............................................132.2中小企业产权特征导致贷款困难................................132.3中小企业融资成本高导致融资困难..............................142.4不合理的融资结构导致中小企业融资难....................................................152.5中小企业信用低导致融资困难..................................162.5.1财务信用缺失.............................................162.5.2融资信用不足.............................................162.5.3商业信用缺失...........................................162.6中小企业经营管理不善导致融资困难............................162.6.1不重视内部融资，积累意识差......................
