摘要目前，我国中小企业自有资金缺乏，融资渠道狭窄不畅，融资需求难以得到满足，信用担保体系尚未完善，分析其自身存在抗风险能力低，改制不规范，信用观念淡薄，财务制度不完善；外部环境存在信用担保体系不完善等原因，笔者认为应从企业自身、金融系统、政府及其他方面等多方面协作，彻底解决中小企业融资难问题。本文共分为六部分。第一部分是前言，主要是对我国中小企业融资背景的介绍。第二部分主要讲我国中小企业的相关理论，包括中小企业的界定标准和作用地位。第三部分是目前我国中小企业的融资现状。第四部分是对我国中小企业融资难的原因分析。第五部分作者提出了一些解决中小企业融资难的切实可行的对策。第六部分是结论。关键词：中小企业；融资；信用担保；金融创新AbstractPresently,SMEsinourcountryhasmanyproblems,suchasthelackoffunds,thepoornarrowfinancingchannels,thedifficultiestomeetthefinancingneeds,andtheimperfectcreditguaranteesystem.Dependonthoseproblems,thisarticleanalyzestheirownabilitiestoresistrisksarelow,thatconversionisnotstandardized,thattheconceptofcreditisweak,thatthefinancialsystemisimperfect,andexternalenvironmentssuchascreditguaranteesystemarenotwell.Ibelievethatallofthosecanbesolved,whenwecollaboratemanyaspectssuchastheenterenterprises,financialsystems,governmentandmanyotheraspects.Thispaperisdividedintosixsections.Thefirstpartisintroduction,mainlyonthebackgroundoftheintroductionofSMEfinancing.ThesecondpartismainlyaboutthetheoryofSMEsinChina,includingtheroleofSMEsinthedefinitionofstandardsandstatus.ThethirdpartisthecurrentstatusofSMEfinancing.ThefourthpartisthefinancingofSMEsreasonanalysis.Thefifthpartofproposedsomepracticaldifficultiesinfinancingsmallandmediumresponse.PartVIistheconclusion.KeyWords:SMEs,financing,creditguarantee,financialinnovation目录1前言..........................................................................................................................12我国中小企业的相关理论......................................................................................13我国中小企业的融资现状......................................................................................43.1自有资金缺乏..........................................................43.2融资渠道狭窄不畅......................................................43.3中小企业融资需求难以满足..............................................53.4信用担保体系尚未完善..................................................54我国中小企业融资难的原因分析..........................................................................64.1中小企业自身的原因....................................................64.1.1抗风险能力低，竞争力不强........................................64.1.2改制不规范，产权不明晰..........................................64.1.3信用观念淡薄，诚信意识差........................................64.1.4财务制度不完善，管理水平不高....................................74.2中小企业外部环境的原因................................................74.2.1法律法规与管理机构不健全，缺乏政策支持..........................74.2.2信用担保体系不完善..............................................74.2.3企业银行信息不对称..............................................84.2.4贷款抵押制度不完善..............................................94.2.5金融部门运营机制不健全..........................................95解决中小企业融资难问题的对策........................................................................105.1企业自身应采取的对策......................
