会计学专业 广东珠三角地区中小企业融资状况研究

I广东珠三角地区中小企业融资状况研究摘 要我国中小企业的发展在社会经济中占据重要地位，是国民经济的重要组成部分。然而，广东珠三角地区中小企业在金融环境下的发展备受挑战，中小企业发展的巨大阻碍是融资难，极大程度限制了中小企业在市场的竞争力与发展潜力。本文在此基础上，对珠三角地区中小企业的融资现状、制约因素进行了分析，提出了提高银行等信贷机构的信贷供给、拓宽融资渠道、降低融资成本、增强自主创新能力、完善管理体系、加强政策扶持力度等对策建议。关键词：中小企业；融资难；制约因素；对策；珠三角地区II Research on the financing situation of small and medium-sized enterprises in Pearl River DeltaAbstractThe development of China's small and medium-sized enterprises occupies an important position in the social economy, is an important part of the national economy. However, the development of small and medium-sized enterprises (smes) in the pearl river delta region of guangdong is facing great challenges in the financial environment. The difficulty in financing has become a huge obstacle to the development of smes, which greatly limits the competitiveness and development potential of smes in the market. On this basis, this paper analyzes the financing status and restricting factors of small and medium-sized enterprises in the pearl river delta region, and puts forward some countermeasures and Suggestions, such as improving the credit supply of Banks and other credit institutions, expanding financing channels, reducing financing costs, enhancing the ability of independent innovation, improving the management system, and strengthening policy support.Key words: medium-sized and small enterprises; financing difficulty; constraint; countermeasure; pearl river delta III目 录摘 要....................................................IAbstract.................................................II一、引言..............................