金融危机下中小型企业融资问题研究摘要当今社会，中小企业已经发展成为我国经济社会的主流,成为我国国民经济中一支重要的力量，是推动国民经济发展、构造市场经济主体、促进社会稳定的基础力量。中小企业融资问题，已经成为当今社会研究的热点问题。其原因在于，由于其本身规模小，经济实力较弱，抵御风险的能力较差，所以不管是银行贷款还是直接融资都存在困难，融资问题成为中小企业发展的瓶颈。基于此，本文对我国中小企业的融资问题进行了研究分析，提出了适合我国国情的中小企业融资出路，给出了有利于我国中小企业融资的建议，本文对解决我国中小企业融资难的问题具有重要的指导意义。关键词中小企业融资出路直接融资系统间接融资系统AbstractNowadays,thesmallandmedium-sizedenterprisehavebecomethemainstreamofsocietyofourcountryeconomy,becomeourcountrynationaleconomyanimportantstrength,istopromotethedevelopmentofnationaleconomy,themainstructureofthemarketeconomy,promotesocialstabilityforce.Financingproblemsofsmallandmedium-sizedenterpriseshasbecomeahotissueintoday'ssocialstudies.Thereasonisthat,becauseofitssmallsize,economicstrengthisweaktoresistriskabilityispoor,sowhetheritisbankloansordirectfinancingdifficulties,financingproblemhasbecomethebottleneckofthedevelopmentofsmallandmedium-sizedenterprises.Basedonthis,thisarticleonChina'ssmallandmediumsizedenterprisesfinancingproblemundertookstudyananalysis,putforwardtofitourcountrynationalconditionofsmallandmediumenterprisesfinancingway,givenforthebenefitofourcountrysmallandmedium-sizedenterprisefinancingadvice,basedonthesolutionofChinasmallandmediumenterprisefinancingproblemhasimportantguidingsignificance.Keywords:Smallandmediumsizedenterprises;Financingway;Directfinancingsystem;Indirectfinancingsystem目录第一章绪论.......................................................................................................................11.1研究的背景和意义................................................................................................11.2研究综述................................................................................................................11.3研究思路................................................................................................................3第二章我国中小企业融资现状及问题分析....................................................................42.1中小企业融资的内涵............................................................................................42.2中小企业融资的现状............................................................................................42.3中小企业融资存在的困难....................................................................................42.3.1现有银行体制不支持中小企业融资..........................................................42.3.2现有支持中小企业发展的制度不完善......................................................52.3.3社会信用体系不健全，信息不对称..........................................................52.3.4我国多层次的资本市场体系尚未建立......................................................5第三章适合我国中小企业融资出路的探讨....................................................................63.1直接融资系统.........................................................................................................63.2间接融资系统.........................................................................................................8第四章对中小企业的融资建议....................
