I浅析中小企业融资现状分析及对策摘要：近年来，中小企业在我国的经济发展中占据了越来越重要的地位，其不仅推动着我国企业的现代化发展，而且也逐渐成为我国经济增长的重要助力，并成为我国经济健康发展的重要基石，还担任着民生和社会发展的重要战略使命不管是在中国还是世界上的其他国家，中小企业都是必不可少的角色，当今，中国正处在改革的重要时期。随着我国经济的增长，我国中小企业的数量在逐年增加，目前占到了全国企业数量的99%。但是，在融资方面，中小企业仍然有很多的困难。与大企业相比，中小企业在技术、财力和创新等方面都处于明显的劣势。这个劣势深深影响了我国国民经济的平稳发展。本文通过分析中小企业在融资过程中存在的发展困境，进一步结合了相关的理论与发展实际，提出了优化的方案。同时对融资方式提出了创新，希望实现中小企业的平稳发展和企业价值的提高。关键词：中小企业融资难相关分析Analysisonthecurrentfinancingsituationofsmallandmedium-sizedenterprisesanditscountermeasuresAbstract:Inrecentyears,smallandmedium-sizedenterpriseshaveoccupiedanIIincreasinglyimportantpositioninmycountry’seconomicdevelopment.Theynotonlypromotethemodernizationofmycountry’senterprises,butalsograduallybecomeanimportantboosttomycountry’seconomicgrowthandbecomeanimportantcornerstoneofthehealthydevelopmentofmycountry’seconomy.,Alsoservesasanimportantstrategicmissionforpeople'slivelihoodandsocialdevelopment.WhetherinChinaorothercountriesintheworld,SMEsareanindispensablerole.Today,Chinaisinanimportantperiodofreform.Withthegrowthofmycountry'seconomy,thenumberofsmallandmedium-sizedenterprisesinmycountryhasbeenincreasingyearbyyear,andcurrentlyaccountsfor99%ofthenumberofenterprisesinthecountry.However,intermsoffinancing,SMEsstillhavemanydifficulties.Comparedwithlargeenterprises,smallandmedium-sizedenterprisesareatadistinctdisadvantageintermsoftechnology,financialresources,andinnovation.Thisdisadvantagehasprofoundlyaffectedthesteadydevelopmentofournationaleconomy.ThispaperanalyzesthedevelopmentdilemmaofSMEsinthefinancingprocess,andfurthercombinesrelatedtheoriesanddevelopmentpractices,andproposesanoptimizedplan.Atthesametime,innovationsinfinancingmethodsareproposed,hopingtorealizethesteadydevelopmentofsmallandmedium-sizedenterprisesandtheenhancementofcorporatevalue.Keywords:SmallandmediumenterprisesFinancingdifficultiesCorrelationAnalysisIII目录摘要...............................................................IAbstract..........................................................II1绪论.............................................................11.1研究背景...................................................11.2研究意义...................................................12中小企业定义界定.................................................13我国中小企业融资定义及分类.......................................23.1融资的定义.................................................23.2融资的分类.................................................24案例分析.........................................................34.1企业介绍...................................................34.2公司融资背景...............................................34.3融资模式分析...............................................35中小企业融资存在的问题...........................................35.1内部积累是中小企业重要的融资渠道...........................35.2银行资金可靠但融资困难.....................................45.3民间借贷过高的利率限制了企业的发展.........................45.4在企业债...
