中小企业融资困境如何突围？姓名：刘宏艳 学号：071702082 专业：金融 班级：07 级金融(2）班 【摘要】不论是在发达国家还是在进展中国家，中小企业都是国民经济的重要支柱。只是因为,中小企业在促进科技进步、增加就业、扩大出口等发面，发挥着不可忽视的作用。但是用于中小企业规模小、实力弱，中小企业的进展长期得不到我国政府的重视。20 世纪 90 年代中后期，我国政府才开始重视中小企业的进展。在中小企业的进展中,最大的问题是融资难.受政府的影响和实践的制约，学术界对中小企业融资难问题的讨论还不系统、深化，有待进一步加强。目前国外文献偏重对发达国家中小企业融资问题的讨论，其理论分析并不完全适合中国国情，而国内多偏重对现状和对策的讨论，缺乏对引起那些现状和对策理论依据、融资困难原因的探究.本文认为,中小企业融资难的症结是由多方面的原因引起的，可以归纳为：中小企业自身的原意，政府的原因和资本市场缺乏层次等。 【关键词】中小企业：融资:融资渠道： 信用体系 Abstract： The Small ＆ medium enterprises (SMEs) are the important support of national economy in the development of a country ， not only developed countries but also developing countries .Because SMEs play a noticeable role in promoting the science and technology getting ahead， increasing the employment ，enlarging the exports and so on. Yet it’s a long time for our government to ignore the development of SMEs because their scale is not large and their strength is not strong 。 The Chinese government begun to pay attention to the development of SMEs from the late of 1990’s.Financing difficulty is the largest problem of the SMEs development。 Nowadays the research about SMEs financing still needs to be strengthened and deepened 。 At the present time foreign literatures about SMEs financing problem of developed countries, which are not suitable for the Chinese situation. and home 。 Literatures laid particular stress on SMEs’financing status and policy recommendations. But if you...
