本科论文摘 要改革开放四十年来，中国的发展有了巨大的成就，尤其是在经济领域，更是诞生了很多有活力的中小企业。现在，在促进科学技术进步、平衡国际收支、提升就业率等方面中小企业都发挥着重要的作用。由此不难看出，中小企业已经成为了我国经济发展的新生力量。但因为中小企业自身的局限性加上我国不平衡的经济发展，这使得现今我国中小企业对社会经济发展做出的贡献与获得的融资支持是不相符合的。因此其融资困境的存在就成了我国中小企业关注的重点。本文通过研究我国中小企业融资困境，发现其主要表现在融资成本高，方式单一。本文将从三个方面分析造成融资困境的原因，并由此原因提出相关对策，在金融机构和政府共同努力下解决中小企业融资难问题。关键字：中小企业，融资困境，信用本科论文AbstractIn the past 40 years of reform and opening up, China has made great achievements in its development, especially in the economic field. Now, small and medium-sized enterprises are playing an important role in promoting scientific and technological progress, balancing the balance of international payments, and increasing employment. It is not difficult to see that SMES have become a new force in China's economic development. However, due to the limitations of small and medium-sized enterprises and China's unbalanced economic development, the contribution of small and medium-sized enterprises to social and economic development is inconsistent with the financing support they have received. Therefore, the existence of its financing dilemma has become the focus of attention of SMES in China. By studying the financing difficulties of SME in China, this paper finds that they are mainly reflected in the high financing cost and the single way. This paper will analyze the reasons for the financing difficulties from three aspects and put forward relevant countermeasures to solve the financing difficulties of SMES under the joint efforts of financial instit...
