辽宁省小微企业融资困境及其解决方案摘要鉴于企业的融资状况对企业的各个方面，从业务发展到产品经营再到风险防范所具有的深远的影响，融资问题长期以来都被视为企业财务管理核心内容之一。对于小微企业来说，由于其自身的种种弱势，其融资问题显得尤为严重。内外部各种因素的制约致使我国小微企业能够采用的融资方式非常有限。伴随着严峻的融资困境的却是现阶段小微企业在我国经济社会中发挥的不可替代的重要作用。所以深入探索小微企业融资难的成因并提出切实可行的解决对策，是当前急需解决的一个有重大意义的问题。同大局势一样，在辽宁省经济中小微企业也具有重要地位，但是辽宁省的小微企业发展起步比较晚，在探索适合小微企业发展方式方面取得的经验较少。虽然近几年为促进辽宁省小微企业的发展、改善其融资环境，辽宁省有关部门先后采取了很多措施，但小微企业的融资困境依然是制约辽宁省经济发展的重要问题。本文的研究对象为辽宁省小微企业，首先对这些小微企业的基本特征和融资情况进行调查，在此基础上分析当前辽宁省小微企业的融资现状。然后从多方位分析导致其融资困境的主要因素并提出了解决辽宁小微企业融资困境的建议和对策。关键词：小微企业；融资困难；原因；对策SmallmicroenterprisefinancingproblemsandtheirsolutionsinliaoningprovinceABSTRACTFromallaspectsofbusinessdevelopment,productsmanagementandriskprevention,financialconditionisofvitalimportanceforacertainenterprise,sofinancingisconsideredtobeoneofthecorepointsinenterprisefinancialmanagement.Thefinancingproblemisespeciallyseriousforsmallbusinessbecauseofitsownweakness.Therestrictionfrombothinternalandexternalmakesthefinancingwaysavailableforsmallbusinessareverylimited.Comingtogetherwiththeseverefinancingpredicamentistheirreplaceablerolesmallbusinessisplayingineconomyinourcountryatpresent.Soitismeaningfultoexplorethecauseofthefinancingdifficultiesforsmallbusinessandtocomeupwithsomefeasiblecountermeasure.SmallbusinessisalsoinanimportantpositionintheeconomyinLiaoningProvince,butwehadlittleexperienceinthisfieldbecausetheyarewithashorthistory.AlthoughinrecentyearsrelevantdepartmentsinLiaoningProvincehastakenmanymeasurestopromotethedevelopmentandimprovethefinancialenvironmentforsmallbusinessinLiaoning,butthefinancingproblemisstillthemostimportantproblemrestrictingthedevelopmentofeconomyinLiaoningProvince.TheobjectiveofthispaperisthesmallbusinessinLiaoningProvince.Inthisresearch,firstofall,aninvestigationintothebasicfeaturesandpresentfinancingsituationofsmallbusinessismade,andthenananalysisonthecurrentpredicamentwhichthesmallbusinessareinispresented.Onthebasicofthis,theelementsfromdifferentaspectsresultinthefinancingdifficultiesofsmallbusinessareformulated,andfinallysomesuggestionstosolvethefinancingdifficultiesofsmallbusinessinLiaoningProvincearemade.KEYWORDS：SmallBusiness，FinancingPredicament，Reason，Countermeasures目录1引言..............................................................11理论基础..........................................................21.1信息不对称理论............................................................................................21.2莫迪利亚尼一米勒理论（MM理论）............................................................21.3信号传递理论................................................................................................21.4优序融资理论................................................................................................21.5关系信贷理论................................................................................................32小微...
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