目录引言................................................................4一、中小企业的界定..................................................4二、中小企业在国民经济的作用........................................5（一）经济贡献大................................................5（二）就业主要渠道..............................................5（三）调整和优化经济结构的重要推力..............................6三、融资的含义......................................................6（一）银行对中小企业的贷款......................................6（二）中小企业的其他间接融资....................................7四、经济危机下我国中小企业融资现状分析..............................7（一）经济危机对我国中小企业融资的影响..........................7（二）长期以来我国中小企业融资存在的原因........................8（三）经济危机下我国中小企业出现的新情况........................91、中小企业资金缺口日益加大……………………………….92、中小企业融资成本大幅上升.................................10五、应对经济危机，降低中小企业融资压力.............................10（一）完善公司治理结构，提高抗风险压力.........................10（二）加大国有银行对中小企业的融资支持.........................11（三）完善中小企业信用担保体系.................................11（四）发展多层次的资本市场.....................................12参考文献...........................................................131经济危机下我国中小企业融资现状与对策分析摘要中小企业是中国经济发展的不竭动力，是构造市场经济的主体，是促进社会稳定的基础力量。但是融资问题一直是困扰和制约中小企业发展的难题。尽管中国政府在改善中小企业融资困境上出台了不少政策，但收效甚微。在经济危机的影响下，使得中小企业融资呈现新情况、新问题，融资环境不断恶化，中小企业融资能力持续下降，融资渠道相应减少，甚至出现了大批中小企业由于资金链断裂纷纷倒闭的现象。在这种环境下，我国中小企业融资面临着更大的挑战，如何解决中小企业融资难问题已成为社会各界日益关注的焦点和热点问题之一。可见在当前金融危机侵袭下，重新探讨中小企业融资难问题关系到中小企业的生死存亡更加具有重要的现实意义。关键词：经济危机；中小企业；融资；对策2AnalysisofthefinancingsituationandCountermeasuresofSMEsinChinaundertheeconomiccrisisABSTRACTThesmallandmedium-sizedenterpriseisaninexhaustiblemotiveforceforChineseeconomicdevelopment,isthemainstructureofthemarketeconomy,isthebasicforcetopromotesocialstability.Butthefinancingproblemhasalwaysbeenthetroublesandproblemsrestrictingthedevelopmentofsmallandmedium-sizedenterprises.AlthoughChinagovernmentinimprovingthefinancingdifficultiesofsmallandmediumenterprisesintroducedmanypolicies,buthavelittleeffect.Undertheinfluenceoftheeconomiccrisis,theSMEfinancingtonewsituationsandnewproblems,andfinancingenvironmentcontinuestodeteriorate,thefinancingcapacityofsmallandmediumenterprisescontinuedtodecline,acorrespondingreductioninfinancing,andeventheemergenceofalargenumberofsmallandmedium-sizedenterprisesbecauseoffundingchainfracture,collapsephenomenon.Inthisenvironment,thefinancingofsmallandmediumsizedenterprisesinChinaarefacinggreaterchallenges,howtosolvetheproblemoffinancingSMEshasbecomeoneofthefocusandhotissuesofsocialattention.Visibleintheinvasionofthecurrentfinancialcrisis,toexploretheproblemoffinancingSMEsinrelationtosmallandmedium-sizedenterprisesofvitalimportance,evenmorehastheimportantpracticalsignificance.Keywords:financialcrisis，smallandmedium-sizedenterprises，fina...
