第1页共34页编号：时间：2021年x月x日书山有路勤为径，学海无涯苦作舟页码：第1页共34页星海会展星海会展大连民营中小企业投融资法律专辑法律专辑（2007·4总第12期）本期要目我国中小企业融资障碍及对策分析哈尔滨汇通交通支行用益物权抵押合同纠纷案中华人民共和国中小企业促进法主编：任广盛（辽宁盛和律师事务所主任）副主编：关永茂常文家责任编辑:孙彩孙杰方毅主办单位：辽宁盛和律师事务所大连民营中小企业投融资法律专辑目录目录理论研究我国中小企业融资障碍及对策分析······························································································1投资项目动态经济分析中必须考虑的问题··················································································3案例分析第2页共34页第1页共34页编号：时间：2021年x月x日书山有路勤为径，学海无涯苦作舟页码：第2页共34页中国有色金属进出口公司与辽宁渤海有色金属进出口有限公司债权转让协议纠纷案······································································································································································8哈尔滨汇通交通支行用益物权抵押合同纠纷案··········································································9法律法规中华人民共和国中小企业促进法································································································12辽宁省人民政府关于非公有制经济发展的意见········································································15行业资讯中国将继续拓展中小企业直接融资渠道·····················································································23银行再度“瞄”上中小企业融资···································································································23辽宁盛和律师事务所简介········································································································封底第3页共34页第2页共34页编号：时间：2021年x月x日书山有路勤为径，学海无涯苦作舟页码：第3页共34页星海会展法律专辑（大连民营中小企业投融资法律专辑）第1页（共23页）我国中小企业融资障碍及对策分析内容提要：本文针对中小企业融资难的现状，系统地分析了中小企业融资难的主要原因。指出中小企业信用资源的不足、高比率的倒闭和违约、银企之间信息不对称和国内金融业自身的整合与贷款紧缩是我国当前中小企业融资的主要障碍，并从政策性融资、直接融资、间接融资三个角度出发就如何改善中小企业融资，拓宽其融资渠道提出一些政策性建议。一、我国中小企业融资障碍分析1．中小企业信用资源的不足。中小企业信用不足是一个普遍现象，主要体现在银行信用、商业信用、消费信用等方面。中小企业信用不足是先天的，绝大多数中小企业固定资产少，流动资产变化快...
