中小企业融资障碍及对策研究摘要中小企业在我国的经济发展中有着不可替代的作用，它对产业的发展和经济繁荣作出了极大的贡献。然而，融资问题已成为制约中小企业发展的瓶颈，不解决中小企融资难题，十六大关于全面实现小康的目标就不可能实现，因此我们必须给予这个问题足够重视。企业融资难主要存在企业本身﹑金融机制﹑政府三个层面的原因，为此要制定相应的治理对策：企业要加快发展，切实提高盈利能力，增强自身信用观念，努力拓展融资渠道和方式；金融机构要解放思想积极创新，逐步消除对中小企业的金融抑制，建立多层次的信用担保制度；政府要完善政策法律法规，加大对企业制度支持和金融扶持力度。这就是我选这个课题的动因和现实意义，希望在这个问题上作一些积极的探索，为解决中小企业融资难题提供一些新的思路。关键词中小企业；融资问题；信用问题；对策研究AbstractSmallandmediumenterprisesinChina'seconomicdevelopmentplaysanirreplaceablerole,itsindustrialdevelopmentandeconomicprosperityofagreatcontribution.However,financinghasbecomeabottleneckrestrictingthedevelopmentofSMEs,SMEsdonotsolvethefinancingproblem,Congressonthefullrealizationoftheobjectivesofawell-offcannotbeachieved,wemustgiveadequateattentiontothisissue.Corporatefinancebusinessinitselfdifficulttomainlyfinancialmechanisms,threelevelsofreasonsfortheGovernment,throughthedevelopmentofappropriatecountermeasures:toacceleratethedevelopmentofenterprises,andeffectivelyimproveprofitabilityandenhancetheirownsenseofcredit,andstrivetoexpandthefinancingchannelsandmethods;financialinstitutionsshouldactivelymakeinnovationsinmind,thegradualeliminationofsmallandmedium-sizedfinancialinhibittheestablishmentofmulti-levelcreditguaranteesystem;governmentpoliciestoimprovethelawsandregulations,increasetheenterprisesystemtosupporttheeffortsandfinancialsupport.ThisiswhatIhaveselectedthesubjectfunandpracticalsignificance,Ihopeonthisissueforsomepositiveexploration,inordertosolvethefinancingproblemsofSMEstoprovidesomenewideasKeywordsTheSMEs；Financing；Credit；Explore；Countermeasures目录摘要........................................................................................................................................IAbstract..................................................................................................................................II第1章绪论..........................................................................................................................11.1选题的原因及目的..................................................................................................11.2国内外研究现状......................................................................................................21.2.1中小企业融资能力的研究.............................................................................21.2.2金融改革的展望.............................................................................................21.2.3国外先进经验的介绍.....................................................................................21.3论文研究内容及研究方法......................................................................................4第2章中小企业融资现状..................................................................................................52.1中小企业融资及其现状..........................................................................................52.1.1中小企业的界定........................................................................................
