摘要随着国内经济的飞速发展，我国的中小企业迅猛发展起来，为地区的经济发展，增加了就业岗位，同时也缓解了我国的就业压力，实现科技创新与成果转让等方面发挥出越来越重要的作用，决定了必须重视中小企业的生存与发展。现阶段，金融不仅是国家对经济进行宏观调控的重要杠杆，也深刻影响着我国社会经济生活的各个方面。由于中小企业自身的特点，即规模小，可控资源更为稀缺，又往往处于快速发展阶段，需要大量的资金的投入，所以，大多数中小企业都面临着融资难的困境，严重阻碍中小企业的发展。我国目前中小企业融资难，存在企业本身﹑金融机制﹑政府三个层面的多方面的原因，为此要制定相应的治理办法。就中小企业融资难问题，进行分析研究，并提出解决中小企业融资的相关对策。关键词：中小企业；融资；融资渠道；融资方式；直接融资summaryWiththerapiddevelopmentofdomesticeconomy,themediumandsmallenterprisesinChinadevelopedrapidly,astheregion'seconomicdevelopment,increaseemployment,butalsoeasethepressureofemploymentinourcountry,realizingthetransferofscientificandtechnologicalinnovationandachievementsplayanincreasinglyimportantrole,thedecisionmustpayattentiontothesurvivalanddevelopmentofsmallandmedium-sizedenterprises.Atpresent,financeisnotonlyanimportantleverofnationalmacroeconomicregulation,butalsoaprofoundimpactonallaspectsofoursocialandeconomiclife.Duetoitscharacteristicsofsmallandmedium-sizedenterprises,thescaleissmall,thecontrollableresourcesmorescarce,andofteninthestageofrapiddevelopment,requiresubstantialcapitalinvestment,therefore,themajorityofsmallandmedium-sizedenterprisesarefacedwithfinancingdifficulties,aseriousobstacletodevelopmentofsmallandmedium-sizedenterprises.Ourcountryatpresentthefinancingofsmallandmedium-sizedenterprises,enterpriseitself,threeaspectsoffinancialmechanism,thegovernment'sreasonsinmanyaspects,thereforeshouldformulatecorrespondingmanagementmeasures.Onthefinancingproblemsofsmallandmedium-sizedenterprises,analysisandstudy,andputsforwardtherelatedcountermeasurestosolvethefinancingofsmallandmedium-sizedenterprisesKeywords:smallandmedium-sizedenterprises;financing;financing;financing;directfinancing目录中文摘要及关键词……………………………………………………………………………Ⅰ英文摘要及关键词……………………………………………………………………………Ⅱ一、中小企业融资的概述......................................................................................................1（一）融资的定义....................................................................................................................1（二）中小企业的界定............................................................................................................1（三）中小企业的融资渠道....................................................................................................3二、我国中小企业融资的状况...............................................................................................6（一）外部融资困难................................................................................................................6（二）民间资本充足,但民间融资有待规范..........................................................................6（三）内部融资为中小企业的主要方式................................................................................6（四）中小企业融资成本较高................................................................................................7三、中小企业融资存在的问题及原因分析....................
