中小企业融资困境及对策分析——以韵达股份有限公司为例摘要当前，我国经济快速发展，中小企业在推动我国经济发展中发挥着至关重要的角色,成为国民经济进步的的活力与动力，起到了助力经济增长、加快创新速度和增加就业岗位等作用，中小企业是否能够保持稳定的速度增长与我国改善民生和维护社会稳定有着直接的关联。然而由于经营规模小、融资门槛高等因素的影响，中小企业仍面临许多融资难题。所以,本文以中小企业的融资为分析对象,以韵达股份有限公司为具体案例，总结了中小企业融资现状、分别从内、外部环境分析中小企业融资困境成因。并提出针对性的对策及建议。对我国的中小企业的融智困境的发展现状进行正确的认识，有助于政府、金融机构和社会共同努力将这些问题进行针对性的解决，帮助中小企业突破自身局限、实现快速发展。关键词：中小企业融资困境对策AbstractAtpresent,ourcountryeconomyfastdevelopment,thesmallandmedium-sizedenterprisesinpromotingChina'seconomicdevelopmentplaysanimportantrole,becomeanationaleconomicprogressofthevitalityandthepower,thepowerofeconomicgrowth,tospeedupthepaceofinnovationandincreasejobs,smallandmedium-sizedenterprisescanmaintainstablegrowthandimprovepeople'slivelihoodandmaintainsocialstabilityinourcountrythereisadirectcorrelation.However,duetotheinfluenceofsmalloperationscaleandhighfinancingthreshold,smesstillfacemanyfinancingproblems.Therefore,thispapertakesthefinancingofsmallandmedium-sizedenterprisesastheanalysisobjectandyundaco.,ltd.asthespecificcasetosummarizethestatusquooffinancingofsmallandmedium-sizedenterprisesandanalyzethecausesoffinancingdifficultiesofsmallandmedium-sizedenterprisesrespectivelyfromtheinternalandexternalenvironment.AndputforwardthecorrespondingcountermeasuresandSuggestions.Acorrectunderstandingofthedevelopmentstatusquoofthefinancingdilemmaofsmallandmedium-sizedenterprisesinChinaishelpfulforthegovernment,financialinstitutionsandthesocietytomakejointeffortstosolvetheseproblems,andhelpsmallandmedium-sizedenterprisestobreakthroughtheirownlimitationsandachieverapiddevelopment.Keywords:SmallandMediumEnterprisefinancingdilemmacountermeasure目录1绪论..............................................................11.1研究背景及意义..............................................11.1.1研究背景...............................................11.1.2研究意义..............................................11.2研究的思路..................................................31.3研究方法....................................................42中小企业融资的相关理论基础........................................52.1中小企业含义与划分标准......................................52.1.1中小企业含义...........................................52.1.2中小企业划分标准.......................................52.2融资概念界定................................................62.3融资分类....................................................63中小企业融资困境现状及成因分析....................................83.1中小企业融资困境现状........................................83.2中小企业融资困境成因分析....................................93.2.1我国中小企业融资困境的外部成因.........................93.2.2我国中小企业融资困境的内部成因.........................94中小企业融资困境的优化策略.......................................214.1加强中小企业自身建设.......................................214.2完善中小企业融资的制度环境..................................224.2.1加快中小企业融资相关法律体系建设......................224.2.2发挥金融政策对...
