摘 要中小民营企业在我国经济和社会进展中具有举足轻重的作用,在调整经济结构、丰富和活跃市场、增加就业机会、进展地方经济、增加财政收入等方面都发挥着重要的作用。然而，融资难的问题一直困扰着中小企业的进展。同时结合目前爆发金融危机这个背景条件,深化分析中小企业融资难存在的问题。指出中小企业融资中存在着直接融资渠道比较狭窄、融资成本和风险高，融资信用低,受政策性的卑视、社会金融服务不协调等现象。从中了解导致中小企业融资困境的原因是多方面的，包括中小企业自身的不足，金融机构的垄断,中小金融机构进展的滞后,保护其进展的法规不健全,资本市场不完善等.所以本文深化分析我国中小企业融资存在的问题，探讨并提出解决中小企业融资难的措施， 以便从根本上突破融资难的瓶颈。指出解决中小企业融资困境应从提高中小企业自身竞争力、深化金融业改革、完善资本市场、加大政府支持力度， 加强社会化服务体系的建设等方面寻求对策。关键词:中小企业 融资 存在问题 对策ABSTRACTSmall and medium—sized private enterprises in China's economic and social development, and plays a decisive role in adjusting the economic structure， and the active market and increase employment opportunities， developing the local economy, increase the fiscal revenue aspects plays an important role。 However， the financing of the problem has been bothering the development of small and medium-sized enterprises. Combining the current outbreak financial crisis， in—depth analysis of the background of small and medium-sized enterprises financing problems 。 Same financing exist in direct financing, financing cost and risk， narrow, financing， the low credit policy and social discrimination phenomenon such as financial services coordination。 Learn about the financing difficulties of small and medium—sized enterprises to a variety of reasons ， including small and medium—sized enterprise deficiencies， financial institutions and the small and medium sized financial institutions development lags behind ，...
