目录摘要.............................................................................................................................................1关键词.........................................................................................................................................1Abstract.......................................................................................................................................1Keywords....................................................................................................................................1一、引言.....................................................................................................................................2二、中小企业融资现状.............................................................................................................21、间接融资为主...............................................................................................................22、直接融资占比较少.......................................................................................................23、其他融资渠道较少.......................................................................................................2三、SWOT-PEST矩阵分析......................................................................................................3四、疫情对中小企业融资的影响.............................................................................................41、疫情对企业融资需求的影响.......................................................................................42、疫情对企业融资供给的影响.......................................................................................4五、疫情后中小企业面临的困境.............................................................................................51、综合实力较低，导致融资困难...................................................................................52、疫情持续时间长，导致资金链断裂...........................................................................53、疫情暴露出信用度低道德风险...................................................................................54、政府扶持政策“天平”倾斜，法律保障体系不健全...............................................65、银行对中小企业的放贷积极性较低...........................................................................66、金融产品的设计忽略中小企业需求...........................................................................6六、研究结论及对策建议.........................................................................................................71、加快产业积聚，合作应对疫情冲击...........................................................................72、积极拓宽融资渠道.......................................................................................................73、强化中小企业信用意识，建立健全企业征信系统...................................................74、加大对中小企业的扶持政策.......................................................................................85、细化相关法律法规.......................................................................................................96、构建中小企业融资监管机制.......................................................................................97、提升银行放贷积极性................................
