浅论中小企业的融资问题 财务管理专业

题目：浅论中小企业的融资问题摘 要近年来，中小企业发展迅猛，已占据我国国民经济的半壁江山，对国民经济的发展起着举足轻重的作用。然而中小企业融资困难，严重制约了自身的进一步发展。资金是企业的血液，企业的发展过程就是一次次“融资一投资一再融资”的过程。中小企业的融资有其独特的特征，分析中小企业的融资方式及特点，找到解决中小企业融资难的方法，已成为迫切需要解决的事情。关键词：中小企业； 融资问题； 对策ABSTRACTIn recent years, the rapid development of small and medium-sized enterprises, has dominated the national economy of barcap jiangshan, the development of the national economy plays a pivotal role. However the financing difficulties of small and medium-sized enterprises, which seriously restrict their further development. Money is enterprise's blood; enterprise's development process is repeatedly "financing a investment financing" process again. The SME financing has its unique features, analysis the SME financing methods and characteristics, finding solutions to the financing difficulty method, has become the urgent need to address the matter.Keywords: small and medium-sized enterprises; financing problems; countermeasures目 录第一章 概述..........................................1第二章 中小企业的融资................................12.1 我国中小企业内源融资的特征............................12.2 我国中小企业外源融资的困境............................22.2.1 股权融资............................................22.2.2 债务融资............................................32.3 中小企业融资难的体现..................................42.3.1 中小企业固定资产投资贷款难..........................42.3.2 新建新办中小企业流动资金贷款难......................42.3.3 中小企业直接融资难..................................42.3.4 中小企业贷款抵押资产评估登记难......................5第三章 中小企业融资难的原因分析......................53.1 中小企业的自身问题................................