摘 要我国中小企业数量众多，占全国企业总数量的占比大，在国民经济发展过程中起关键推动作用，可以提供大量就业岗位，招揽接收大量的劳动力，中小企业对经济增长贡献度越来越强，经济的快速增长也离不开中小企业的支撑，在科技创新和社会稳定和谐等方面发挥着不可替代的作用。但现阶段低端劳动力供给紧张的问题依然没有解决，成本费用的不断攀升，新的冲击不断向中小企业袭来。中小企业在发展壮大的过程中遇到的最大障碍是融资问题，普遍存在资金短缺、资金压力大、融资难等问题，导致资金运转不周缺乏发展动力，极大压缩了中小企业发展的空间，成为中小企业发展的束缚。本文结合中小企业融资现状和存在的融资问题，从企业自身与外部融资环境的各个方面分析融资问题的成因,提出解决中小企业融资问题的相应对策。关键词：中小企业 融资成本 信息不对称AbstractChina has a large number of small and medium-sized enterprises, which accounts for a large proportion of the total number of enterprises in the country. It plays a key role in the development of the national economy. It can provide a large number of jobs and recruit large numbers of labor. The rapid economic growth is also inseparable from the support of SMEs, and plays an irreplaceable role in technological innovation and social stability and harmony. However, at this stage, the problem of tight supply of low-end labor remains unresolved, costs continue to rise, and new shocks continue to strike SMEs. The biggest obstacle encountered by small and medium-sized enterprises in the process of development and growth is financing. The shortage of funds, pressure on funding, and difficulty in financing are common problems, which lead to poor capital operation and lack of development momentum, which has greatly reduced the development space of SMEs. Become a constraint on the development of SMEs. This article combines the current situation of SME financing and existing financing problems, analyzes the ...
