I中小企业融资问题探讨摘 要现在，中小企业是我国经济的主要支柱。但因各种因素及它本身的影响，导致在其生产经营中出现资金短缺的问题。由于融资是资本流动的起点，所以融资问题已经成为中小企业面临的最主要的问题。本文从中小企业说起，根据我国环境及政策，再讲到融资现状及存在的问题及原因，最后针对问题做出相应的对策。本文通过文献分析法了解中小企业的现状，用比较分析法对比中小企业内部及外部的问题，针对问题找出原因。最后,提出了一些理论上有效的对策。通过对中小企业融资问题的研究，政府、商业银行和中小企业自身三个方面都需要加强自身的融资。我认为解决融资问题不仅只靠外界的环境就可以完成的，企业自身的素质等方面也要完善，否则企业将无法长期发展。例如，政府提供了良好的政策，可是企业的信用太差，这样商业银行也不会贷款给企业，所以是需要多方面一起改进。关键词：中小企业；融资；融资问题；经济；经济发展IIDiscussion on Financing of Small and Medium Sized EnterprisesAbstractNow, small and medium-sized enterprises are the main pillar of our economy.However, due to various factors and its own influence, there is a shortage of funds in its production and operation. And financing is the starting point of capital movement, which is crucial. Since financing is the starting point of capital flow, financing has become the most important problem faced by smes.This article starts from small and medium-sized enterprises, according to our country's environment and policy, and then talks about the current situation of financing and the existing problems and reasons, and finally makes corresponding countermeasures for the problems. In this paper, through the literature analysis method to understand the status of small and medium-sized enterprises, using comparative analysis method to compare the internal and external problems of small and medium-sized enterprises, to find out the reasons for the problems. Finally, some effective countermeasures in theory are o...
