中小企业融资渠道研究

中小企业融资渠道研究(论文7300字)
摘  要：
改革开放以后，中小企业在国民经济和社会发展中的作用日益显现，中国内地中小企业迅速成长，已经成为内地经济发展、市场繁荣和就业扩大的重要基础，促进中小企业的发展已经成为各级政府的重要工作之一。资金是企业生存和发展的源泉，近年来，虽然国家颁布了一系列扶持中小企业的政策法规，各地政府也在积极采取措施解决中小企业融资问题，但问题并没有得到根本解决，融资难已经严重成为制约中小企业进一步发展的瓶颈，能否以恰当的融资方式及时地筹措到所需资金，是企业健康发展的关键因素。
关键词：
中小企业；融资渠道；融资方式

Research on SME financing channels
Abstract：
After the reform and opening up, the role of SMEs in the national economy and social development has become increasingly apparent. SMEs in mainland China have grown rapidly,and the small and medium-sized enterprises become The important foundation for economic development, market prosperity and employment expansion in the Mainland and the promotion of the development of small and medium-sized enterprises have become one of the important tasks of governments at all levels. Funds are the source of enterprise survival and development. In recent years, although the state has promulgated a series of policies and regulations to support small and medium-sized enterprises, local governments are actively taking measures to solve the financing problems of small and medium-sized enterprises, but the problem has not been fundamentally resolved, and financing difficulties have been severe. As a bottleneck restricting the further development of SMEs, whether the funds can be raised in a timely manner with appropriate financing methods is a key factor for the healthy development of enterprises..
Keywords：
SMEs; financing channels; financing methods

目    录
一、引言    1
二、中小企业及其融资相关概述    1
（一）中小企业的概念    1
（二）中小企业融资概述    1
（三）我国中小企业融资的现状    2
1.中小企业主要融资渠道    2
2.银行信贷是外源融资的主要渠道    2
3.民间融资比重大    3
三、中小企业融资渠道存在的问题    4
（一）信息不透明    4
（二）交易成本高    4
（三）信用制度不完善    4
（四）案例分析    5
1.D公司概况    5
2.D公司融资现状及存在问题    5
第二，集资方法不够    5
第三，筹钱渠道狭窄    6
第四，筹钱系统不够完善    6
第五，缺乏融资政策环境研究    6
四、中小企业融资渠道的对策建议    6
（一）从政府方面    6
（二）从金融机构方面    7
（三）从中小企业自身方面    8
五、结论    8
参考文献    9