我国小微企业融资问题研究摘要随着世界进程不断加快，小微企业的融资问题已经成为了全球性的金融问题。在改革开放过程中，我国小微企业获得了突飞猛进的发展，在国民经济中发挥着越来越重要的作用，已成为国民经济的重要支撑力量之一。由于小微企业自身因素和其他社会因素，小微企业融资面临着诸多问题因此本文主要分析了小微企业融资所面临的问题，同时也分析了小微企业和政府、社会应对小微企业融资难题的对策。关键词：小微企业；融资困境；融资渠道Ourcountrysmallandmedium-sizedenterprisefinancingproblemsresearch-inhuaianfuyiindustrialco.,LTD.,forexampleAbstractAstheworldcontinuetoacceleratetheprocess,SMEsfinancingproblemhasbecomeaglobalfinancialproblem.Intheprocessofreformandopeningup,China'ssmallandmedium-sizedenterprisesobtainmakeaspurtofprogressofdevelopment,playsamoreandmoreimportantroleinthenationaleconomy,hasbecomeoneoftheimportantsupportstrengthofnationaleconomy.Becauseofthesmallandmedium-sizedenterpriseitselffactorsandothersocialfactors,thefinancingofsmallandmedium-sizedenterprisesarefacingmanyproblemsthispapermainlyanalyzedthefinancingofsmallandmedium-sizedenterprisesarefacingproblems,butalsoanalyzestheCountermeasuresofsmallandmediumsizedenterprisesandthegovernment,thefinancingproblemofSMEssocialresponse.Keywords:smallandmedium-sizedenterprises;Financingdifficulties;Thefinancingchannels目录一、引言.................................................................................................................................1（一）研究背景..............................................................................................................1（二）研究意义..............................................................................................................1二、文献综述..........................................................................................................................2（一）国外研究现状.......................................................................................................2（二）国内研究现状.......................................................................................................2三、我国小微企业融资面临的外部问题...............................................................................3（一）金融机构缺乏对于小微企业的信贷积极性.......................................................3（二）我国资本市场直接融资难...................................................................................3四、上海聿翼数据科技有限公司融资现状分析...................................................................3（一）上海聿翼数据科技有限公司简介.......................................................................3（二）上海聿翼数据科技有限公司融资现状...............................................................4（三）上海聿翼数据科技有限公司融资中存在的问题...............................................6五、改善小微企业融资困局的建议.......................................................................................8（一）对我国小微企业外部融资体制的建议...............................................................8（二）对小微企业本身融资问题的建议.......................................................................9六、小结................................................................................................................................10参考文献........................................................................
