摘 要在我国的经济发展中，中小企业起着不可小觑的作用。中小企业是我国数量最多的企业，但随着国际竞争态势的发展，中小企业面临更加严峻的市场竞争。然而现实中，中小企业发展过程中融资困难一直存在，这一问题也受到各国的重视，可以说这是一个跨时间跨区域的难题。就鸿真汽贸有限公司而言，当前该企业融资存在债务期限结构不合理、融资模式不够多元化的问题。究其根本，主要原因是融资缺乏合理规划，经营不合理；银行门槛高但公司信用不足；信托、债券无法解决公司融资需求；民间融资风险大但地方政府融资扶持不足。因此，需要从合理规划融资，提高自身经营管理水平；拓宽融资渠道，加大集合发债力度；完善财务制度，提高公司信用；加大政府扶持力度来解决。从而解决融资困境，促进企业发展。关键词：融资渠道 直接融资 间接融资 融资风险 集合发债Abstract In the economic development of our country, small and medium-sized enterprises play an important role. Small and medium-sized enterprises are the largest number of enterprises in China, but with the development of international competition, small and medium-sized enterprises are facing more severe market competition. But in fact, small and medium-sized enterprises have been facing the big problem of poor financing success. This issue has also received the attention of all countries, which can be said to be a cross-time and cross-regional problem. As far as the fierce hongzhen automobile trade co., LTD. Is concerned, the company has a variety of problems, such as the financing model is not diversified enough. At the root of it, the main reason is the lack of reasonable financing planning, operation is not reasonable; High bank threshold but insufficient corporate credit; Trust and bonds cannot meet the company's financing needs; Private financing is risky but local government financing support is insufficient. Therefore, it is necessary to raise financing from reasonable planning and improve its ow...
