I摘 要随着社会主义市场经济体制的不断完善，我国中小企业迅速发展，并占据了非常重要的经济地位，但是中小企业发展现状却不容乐观，资金短缺是当下绝大多数中小企业面临的问题，融资作为解决企业资金短缺问题的有效措施，受到中小企业的青睐，然而由于中小企业自身原因、行业原因、政策原因等，其融资也面临较多风险，问题重重，亟待解决。本文通过文献综述法及实例论证法对中小企业融资风险问题进行研究，绪论部分介绍了研究背景、意义与国内外文献综述；接着对中小企业融资相关概念进行界定，为本文研究提供理论基础；其次论述我国中小企业融资现状以及存在的问题，中小企业融资中面临的三大问题为财务支付风险高、财务杠杆风险高以及融资决策风险高；再次以深圳中小版上市公司为例分析我国中小企业融资风险原因；最后提出改善我国中小企业融资风险的措施，进行总结。以期为中小企业在融资风险防范方面提供参考。关键词：中小企业、融资、融资风险、风险管理IIIAbstractAs China's economy continues to develop, more and more small and medium enterprises have emerged, accounting for more than ninety percent of the total number of enterprises, so many of our SMEs created enormous wealth and create a very large jobs, China's economic growth has played a very important role in promoting social progress and technological innovation, improve the optimization of the economic structure play a crucial role. But with the changing socio-economic situation of small and medium enterprises getting smaller and smaller living space, receives pressure from the grid aspect of business operations fund shortage is a common problem faced by most small and medium enterprises, a growing number of enterprises financing by enterprises to ease their own problems, but also for enterprise financing there are many difficulties and higher financing risk, financing risk hindering SME financing a key factor, but also disguised hinder the development of enterprises, Therefore, we should understand the issues relat...
