I浙江省中小企业融资难的原因与对策摘要中小企业对我国的经济发展已起到越来越重要的作用，改革开放以来，我国中小企业发展迅速，已经成为国民经济中最具活力的增长点，但是中小企业所获得的金融支持却与其贡献不相称，融资困难已经成为制约中小企业发展的瓶颈。这其中既有外部的因素，也有中小企业自身的原因。本文对浙江中小企业发展过程中的融资问题进行探讨，描述目前中小企业发展过程中的融资现状，主要体现在融资渠道少，融资成本过高，缺乏有效的担保和抵押。浙江中小企业融资难的原因：通过企业自身原因，金融机构原因，和政府三个方面来深入分析融资难的问题所在。解决中小企业融资难的对策：分别从中小企业自身，金融机构业务结构改善和政府政策落实，法律保障等方面出发，提出解决办法，为中小企业发展提供借鉴。关键词：浙江省中小企业融资困境金融机构IABSTRACTSmallandmedium-sizedenterpriseshaveplayedanincreasinglyimportantroleinChina'seconomicdevelopment，Sincethereformandopeningup，China'ssmallandmedium-sizedenterprisesaredevelopingrapidly，Ithasbecomethemostdynamicgrowthpointinthenationaleconomy,butthefinancialsupportforsmallandmedium-sizedenterprisesisnotcommensuratewiththeircontribution.Thefinancingdifficultyhasbecomethebottleneckrestrictingthedevelopmentofsmallandmedium-sizedenterprises.TherearebothexternalfactorsandthereasonsofSNEsthemselvesTheapplicationofthispaperdiscussesthefinancingproblemsinthedevelopmentprocessofsmallandmedium-sizedenterprisesinZhejiangProvince,describesthecurrentfinancingsituationinthedevelopmentprocessofsmallandmedium-sizedenterprises,analyzesthenewcharacteristicsandcausesoffinancingdifficultiesofsmallandmedium-sizedenterprisesinZhejiangProvince,andusesthemethodsofliteratureresearchandinvestigationtoputforwardnewviewsandsuggestionstosolvethefinancingproblemsfromtheperspectiveofenterprisesthemselves,banksandotherfinancialinstitutions,andgovernmentdepartments,Ihopetheseviewsandsuggestionswillbehelpfultosmallandmedium-sizedenterprises.Keywords:ZhejiangprovinceSmallandmedium-sizedenterprisesFinancingdifficultiesFinancialInstitutionI目录1引言........................................................................................................................11.1研究背景及意义....................................................................................................................11.2文献综述................................................................................................................................31.3研究方法及内容....................................................................................................................42浙江省中小企业发展概况....................................................................................52.1中小企业的基本定义............................................................................................................52.2浙江省中小企业的特点........................................................................................................52.3浙江省中小企业的作用........................................................................................................73浙江省中小企业融资现状与方式........................................................................93.1浙江省中小企业融资现状与特点...........................................................................................93.1.1浙江省中小企业融资现状............................................................................................93.1.2浙江...
