吉林省中小企业融资问题分析[摘要]中小企业融资已经成为世界各国普遍关注的问题,通过多年的研究与实践,西方发达国家已积累了有效的经验,并逐步形成了专门为中小企业服务的融资体系。然而在我国,特别是东部中西部欠发达地区,多年来经济增长速度较慢,产业结构调整成效不明显,在历史原因和自然环境等因素综合影响下,中小企业融资问题尤为突出。吉林省地处东北三省中间位置,有许多国家支持的重点工业企业,对振兴东北老工业基地起着重要作用。然而我省中小企业多年来在数量上和质量上都发展较缓,真正形成规模且实力较强的中小企业数量十分有限,解决中小企业发展过程中的资金短缺问题对帮助中小企业持续经营、健康成长有重要作用。本文对吉林省中小企业的融资现状,结合国内外的理论与实践经验,利用经济学的基本原理,深入分析影响中小企业融资中各要素之间的关系,挖掘吉林省中小企业融资难问题的原因,进而借鉴其他国家和地区中小企业融资的经验,努力在理论和实践两方面提出系统性的、切合实际的解决方案。第一部分对我国中小企业划分标准从理论上进行界定,并且对吉林省中小企业融资现状做一简要概况,指出本文研究的意义。最后介绍了本文的研究内容、研究方法和创新之处。[关键词]中小企业融资商业银行Jilinprovincesmallandmedium-sizedenterprisefinancingproblemanalysis[Abstract]Smallandmediumenterprisefinancingproblemhasbecomeacommonconcernallovertheworld,andthroughmanyyearsresearchandpractice,thewesterndevelopedcountrieshaveaccumulatedtheexperience,andgraduallyformedaspecializedservicesforSMEs'financingsystem.Butinourcountry,especiallyinthewesternunderdevelopedregion,becausereforminnovationconsciousnessisweak,comeforyearseconomicgrowthrateisslower,theadjustmentofindustrialstructureeffectisnotapparent,aswellashistoricalandnaturalenvironmentandotherfactorsundertheinfluence,especiallythefinancingproblemofsmallandmedium-sizedenterprises.JilinprovinceislocatedinNortheastmiddleposition,therearemanycountriestosupportthekeyindustrialenterprises,torevitalizebaseofnortheastoldindustryplaysanimportantrolein.However,smallandmediumenterprisesinourprovinceovertheyearsinboththequantityandqualityofdevelopmentisslow,thetruescaleandstrengthofstrongsmallandmedium-sizedenterpriseamountisverylimited,solvesthesmallandmedium-sizedenterprisedevelopmentprocessintheproblemofshortageoffundstohelpsmallandmediumenterprisesoperatecontinuously,healthydevelopmenttohavetheimportantrole.Inthispaper,basedontheJilinprovincesmallandmedium-sizedenterprisefinancingpresentsituation,unifiesthedomesticandforeigntheoryandpracticeexperience,usingthebasicprinciplesofeconomics,anin-depthanalysisoftheeffectsofthefinancingofsmallandmedium-sizedenterprisesintherelationbetweeneachelement,miningJilinprovincesmallandmedium-sizedenterprisefinancingdifficultproblem,thendrawlessonsfromothercountriesandregionsofsmallandmediumsizedenterprisefinancingexperience,effortsintheoryandpracticetworespectsputforwardsystematic,practicalsolutions.Thefirstpartofthesmallandmedium-sizedenterprisedivisionstandardtheoreticallydefined,andthefinancingofSMEsinJilinprovincecurrentsituationmakesabriefgeneralsituation,pointedoutthesignificanceofthisstudy.[Keywords]ThefinancingofsmallMedium-sizedenterprisesPresentsituation目录引言....................................................................1一、中小企业的基本理论..................................................1（一）中小企业的界定..................................................1（二）中小企业的特点..................................................31.结构呈多元化..............................
