中小企业融资障碍及对策研究

中小企业融资障碍及对策研究(论文8800字)
内    容    提    要
近些年来，虽然各项扶持和优惠政策已逐步出台和实施，中小企业的生存和发展环境有所改善。但是，中小企业在筹资融资和贷款担保方面的问题依然存在，这成为制约中小企业快速健康发展的瓶颈。对此，我国中小企业应该借鉴国外企业融资的对策，如要尽快建立适合中国国情的中小企业法律体、加快建设金融服务中介机构、建立多层次资本市场，完善中小企业直接融资体系以及完善中小企业信用担保机制等，以此来进一步解决中小企业融资难的问题。基于此，本文针对中小企业融资进行研究，首先对中小企业融资进行简要概述，进而从政策、企业自身以及金融机构的视角三方面分析了我国中小企业融资困难的原因，并提出相应的解决对策，以期能够改善我国中小企业融资难的现状。

关键词：中小企业  融资模式  融资困境  对策

Abstract
In recent years, although the support and preferential policies have been gradually introduced and implemented, the survival and development of SMEs environment has improved. However, SME financing and loan guarantees in the financing aspects of the problem still exists, which restricted the rapid and healthy development of SMEs bottleneck. In this regard, China's small and medium enterprises should learn from foreign corporate finance measures, such as to establish as soon as possible the situation of China SME legal body, accelerate the construction of financial services intermediaries, the establishment of multi-level capital market, improve the system of direct financing for SMEs and improve the SME credit guarantee mechanism, in order to further address the problem of SME financing. Based on this, research financing for SMEs, first a brief overview of SME financing, and thus from the policy, the enterprise itself and the perspective of three financial institutions, analyzes the reasons for the financing difficulties of SMEs in China and put forward corresponding countermeasures, with a view to improving the status of financing of SMEs.

Key words: SMEs  Financing model  Financing Dilemma  Countermeasure

目            录
引言    1
一、中小企业融资概述    1
（一）中小企业的界定    1
（二）中小企业融资的特点    1
（三）中小企业融资的意义    1
二、我国中小企业融资困难的原因分析    2
（一）政策原因    2
（二）企业自身原因    2
（三）金融机构原因    3
三、解决我国中小企业融资难的对策    4
（一）政府视角的建议    4
（二）中小企业视角的建议    5
（三）金融机构视角的建议    5
四、结论    6
参考文献    6