贵州省中小企业融资风险研究摘要：贵州中小企业对发展区域经济，提高就业率做出了重要贡献。然而在中小企业平均生命周期为2.5年的实情下，当地的中小企业面临融资难，风险大的尴尬局面。本文先后阐述了贵州中小企业融资风险的内容、影响其融资风险大小的因素，之后重点解剖了造成当地中小企业融资风险的现状，并在此基础上提出了关于解决这种尴尬的建议。关键词：中小企业融资风险对策FinancingRiskofSmallandMediumEnterprisesinGuizhouAbstract：smallandmediumenterprisesinguizhouHasmadeanoutstandingcontributiontoregionaleconomicdevelopmentandemploymentrate.But,underthecircumstancesthatSmallandMediumEnterpriseshaveameanlifetimeof2.5years.Theyhavetofaceawkwardcircumstancefulloftoughfinancingandhighrisk.ThepaperfirststatesthefinancingriskcontentofmediumenterprisesinGuizhou.Thenthepapertellstheinfluencefactoroffinancingrisklevel.Theemphasisisthereasonoffinancinghighrisk.Onthebaseofthese,ThepapergivessuggestionsofawkwardcircumstanceoftoughfinancingandhighriskKeywords:smallandmediumenterprises,financingrisk,countermeasure目录1贵州中小企业融资风险的内容.............................................................31.1直接性融资风险...........................................................................31.2间接性融资风险...........................................................................32影响贵州中小企业融资风险大小的因素.............................................32.1内因...............................................................................................32.1.1负债规模.............................................................................32.1.2融资结构.............................................................................42.1.3融资利率.............................................................................42.1.4负债期限结构.....................................................................42.1.5盈利能力.............................................................................52.2外因...............................................................................................52.2.1坏账损失.............................................................................52.2.2金融市场.............................................................................52.2.3政策法规.............................................................................53贵州中小企业融资风险现状.................................................................53.1负债期限结构选择不合理...........................................................63.2中小企业内部管理、经营能力有待提高...................................63.3中小企业信用等级较低，平均寿命短，融资难.......................63.4直接融资门槛高，民间融资成本高，加大了中小企业融资风险..............................................................................................................63.5信息不对称导致的经济地位不平等...........................................63.6中小企业保护制度和法律有待完善...........................................64关于贵州中小企业融资风险的建议.....................................................74.1加强会计监督，提高财务控制...................................................74.2中小企业加强自身素质，提升应对融资风险的能力...............74.3中小企业建档，提升中小企业整体信用度...............................74.4规范银行贷款、民间融资，降低融资难度...............................74.5拓宽贵州中小企业在不同发展阶段...
