I摘要：从改革开放初期到现在，我国社会发展迅速，经济飞速前行。与此同时，中小企业也得到了短期内快速的提升，同时随着中小企业的提升推动了我国经济的进一步发展。因为中小企业整体竞争能力比较弱，筹资能力不强，资金来源渠道还是相对的狭窄，使得我国中小企业在经营过程中存在资金不足且融资难的难题。中小企业亟需寻找适合的融资形式。但由于其本身的特点影响，导致在中小企业融资过程中出现许多问题，影响中小企业健康的发展。因此，以中小企业做为研究目标，来探讨研究如何解决中小企业在进行融资时面对的问题。本文依照我国中小企业融资现状来对我国中小企业融资所存在的难点进行分析，并提出相关建议，以针对性的方式来解决融资时遇到的问题，更好的推动我国中小企业的提升和发展。关键词：中小企业；融资现状；融资困境IIAbstract:Fromtheinitialstageofreformandopeninguptonow,China'ssocialdevelopmentisrapid,theeconomyismovingforwardrapidly.Atthesametime,smallandmedium-sizedenterprisesalsogetarapidpromotionintheshortterm,andwiththepromotionofsmallandmedium-sizedenterprisestopromotethefurtherdevelopmentofChina'seconomy.Becausetheoverallcompetitivenessofsmallandmedium-sizedenterprisesisrelativelyweak,thefinancingabilityisnotstrong,thesourceofcapitalchannelsarerelativelynarrow,sothatChina'ssmallandmedium-sizedenterprisesintheoperationprocessofinsufficientfundsanddifficultfinancingproblems.Smesurgentlyneedtofindsuitableformsoffinancing.However,duetotheinfluenceofitsowncharacteristics,therearemanyproblemsinthefinancingprocessofsmallandmedium-sizedenterprises,whichaffectthehealthydevelopmentofsmallandmedium-sizedenterprises.Therefore,takingsmallandmedium-sizedenterprisesastheresearchtarget,thispaperdiscusseshowtosolvetheproblemsfacedbysmallandmedium-sizedenterprisesinfinancing.Inaccordancewiththefinancingstatusofsmallandmedium-sizedenterprisesinChina,thispaperanalyzesthedifficultiesinfinancingofsmallandmedium-sizedenterprisesinChina,andputsforwardrelevantSuggestionstosolvetheproblemsencounteredinfinancinginatargetedway,soastobetterpromotethepromotionanddevelopmentofsmallandmedium-sizedenterprisesinChina.Keywords:Mergersandacquisitions.Financing;payIII目录绪论....................................................................11相关理论概述..........................................................21.1中小企业含义..................................................21.2中小企业融资..................................................21.3中小企业的融资方式............................................21.4融资的影响因素................................................42我国中小企业融资的现状................................................52.1中小企业融资成本高............................................52.2中小企业融资渠道狭窄..........................................52.3中小企业担保体系存在缺陷......................................62.4融资缺乏有效抵押物............................................73中小企业融资存在的问题................................................73.1政府扶持政策不够完善..........................................73.2金融机构服务能力不够强........................................83.3企业自身存在的问题............................................84解决中小企业融资问题的对策............................................94.1政府方面......................................................94.2金融机构方面.................................................104.3中小企业方面.................................................11结论............
