摘要近年来，中小企业发展迅猛，已占据我国国民经济的半壁江山，对国民经济的发展起着举足轻重的作用。然而中小企业融资困难，严重制约了自身的进一步发展。资金是企业的血液，企业的发展过程就是一次次“融资一投资一再融资”的过程。中小企业的融资有其独特的特征，分析中小企业的融资方式及特点，找到解决中小企业融资难的方法，已成为迫切需要解决的事情。关键词：中小企业；融资问题；对策ABSTRACTInrecentyears,therapiddevelopmentofsmallandmedium-sizedenterprises,hasdominatedthenationaleconomyofbarcapjiangshan,thedevelopmentofthenationaleconomyplaysapivotalrole.Howeverthefinancingdifficultiesofsmallandmedium-sizedenterprises,whichseriouslyrestricttheirfurtherdevelopment.Moneyisenterprise'sblood;enterprise'sdevelopmentprocessisrepeatedly"financingainvestmentfinancing"processagain.TheSMEfinancinghasitsuniquefeatures,analysistheSMEfinancingmethodsandcharacteristics,findingsolutionstothefinancingdifficultymethod,hasbecometheurgentneedtoaddressthematter.Keywords:smallandmedium-sizedenterprises;financingproblems;countermeasures目录第一章概述..........................................1第二章中小企业的融资................................12.1我国中小企业内源融资的特征............................12.2我国中小企业外源融资的困境............................22.2.1股权融资............................................22.2.2债务融资............................................32.3中小企业融资难的体现..................................42.3.1中小企业固定资产投资贷款难..........................42.3.2新建新办中小企业流动资金贷款难......................42.3.3中小企业直接融资难..................................42.3.4中小企业贷款抵押资产评估登记难......................5第三章中小企业融资难的原因分析......................53.1中小企业的自身问题....................................53.1.1企业管理混乱，财务不规范............................53.1.2信用观念淡薄，信用等级偏低..........................53.1.3缺少可供担保抵押的财产..............................53.2中小企业融资难的外部原因..............................63.2.1直接融资门槛高......................................63.2.2.中小企业信用水平偏低，银行普遍存在惜贷行为..........63.2.3银行对资本市场发展认识不足，对中小企业存在信贷歧视..63.2.4信用担保机构运作不规范..............................63.2.5社会信用环境缺乏,严重阻碍了银行放贷.................7第四章中小企业融资困难的解决对策....................74.1中小企业加强自身管理..................................74.2银行因素..............................................84.2.1国有商业银行应支持中小企业的合理资金需求............84.2.2银行应建立激励与约束相结合的经营机制................84.2.3大力发展专业的中小银行..............................84.2.4改进商业银行的信贷管理办法..........................84.3构建中小企业信用担保体系..............................84.4增加企业融资渠道......................................94.5政府要加大扶持力度....................................94.6营造良好的社会信用环境................................9第五章结论及建议...................................105.1建立健全的法律法规，确立中小企业的法律地位，保障中小企业的利益.................................................105.2拓宽融资渠道.........................................105.3创新金融产品和服务方式...............................105.4提高中小企业的综合素质和信用能力.....................10参考文献.................................................12致谢..................
