我国小微企业融资问题研究——以成都地区的小微企业为例摘要：国民经济发展进入新常态，随着社会经济的逐步稳定，我国经济发展的速度已经由高速发展转为平稳发展。其中凭借的不仅是大型的国有企业和私有企业亦或者是中外合资企业，还有以前常常会被市场和人们所忽略的小微企业。正所谓“星星之火，可以燎原”，由于过去的高速发展，传统企业已经接近了饱和，这时，小微企业就成为了提高国民经济发展速度的一枚重要棋子，小微企业数量多，范围分散，可以有效解决无业人民的就业问题，是脱贫攻坚的重要力量，是推动社会经济健康且稳定发展的重要动力。虽然如此，要想让小微企业持续向好发展，还有一些难题在等待解决：小微企业由自主创业而生，因此规模都不大，信用时常出现问题，由于是个体户，因此可以用做抵押的资产很少，缺少专业团队的打理，是的企业面临的风险远远大于国有或大型私有企业。而正因如此，也产生了最大的一个问题：融资贵，融资难。信用低、风险大、专业不强等等这些因素都是小微企业在融资路上的绊脚石，因此，要想推动小微企业的发展，首先要解决第一步——融资问题。本文以成都天府新区的众多小微企业为例，试分析小微企业融资难融资贵的根本原因，同时，结合国内外发展成功的小微企业的管理经验、发展办法与研究成果，通过小微企业自身原因、引导性的融资政策以及市场的操作方式等方面对小微企业未来发展提出一些意见与建议。关键词：小微企业；融资难；融资应对策略ResearchonFinancingProblemsofSmallandMicroEnterprisesinChina--ACaseStudyofSmallandMicroEnterprisesinChengduAbstract:Thedevelopmentofnationaleconomyhasenteredthenewnormal.Withthegradualstabilityofsocialeconomy,thespeedofeconomicdevelopmentinChinahaschangedfromhighspeeddevelopmenttosteadydevelopment.Itisnotonlybylargestate-ownedandprivateenterprises,butalsobySino-foreignjointventures,butalsobysmallandmicroenterprisesthatwereoftenignoredbythemarketandpeople.Becauseoftherapiddevelopmentinthepast,traditionalenterpriseshavecomeclosetosaturation.Atthistime,smallandmicroenterpriseshavebecomeanimportantchesspiecetoimprovethespeedofnationaleconomicdevelopment.Itcaneffectivelysolvetheemploymentproblemofunemployedpeople,isanimportantforcetoovercomepovertyandpromotethehealthyandstabledevelopmentofsocialeconomy.Nevertheless,therearestillsomeproblemstobesolvedifsmallandmicroenterprisesaretocontinuetodevelopwell:smallandmicroenterprisesarebornfromtheirownbusinesses,sothescaleissmall,creditproblemsoftenarise,andbecausetheyareself-employed.Therefore,therearefewassetstomortgageandlackofprofessionalteammanagement.Andbecauseofthis,alsoproducedthebiggestproblem:financingexpensive,financingdifficult.Creditislow,riskisbig,professionalisnotstrongandsoonthesefactorsaresmallandmicroenterprisesinthefinancingroadstumblingblock,therefore,inordertopromotethedevelopmentofsmallandmicroenterprises,wemustfirstsolvethefinancingproblem——thefirststep.TakingmanysmallandmicroenterprisesinChengduTianfuNewDistrictasanexample,thispapertriestoanalyzetherootcausesofthedifficultyoffinancingforsmallandmicroenterprises.Atthesametime,combinedwiththemanagementexperience,developmentmethodsandresearchresultsofsuccessfulsmallandmicroenterprisesathomeandabroad,thispaperputsforwardsomesuggestionsandsuggestionsonthefuturedevelopmentofsmallandmicroenterprisesthroughtheirownreasons,guidingfinancingpoliciesandmarketoperationmethods.Keywords:smallandmicroenterprises,financingdifficulties,financingstrategies目录1绪论....................................................................11.1研究背景与意义........................................................
