中小企业融资渠道的研究【摘要】随着经济全球化进程的加速，以及市场竞争的日趋激烈，中小企业问题已经成为世界性的长久课题。改革开放20多年来，随着我国经济体制改革的不断深入，我国中小企业得到了前所未有的发展，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。中小企业的活力不仅关系到整个经济竞争的活力，而且也关系到整个社会的繁荣和稳定。然而,长期以来,中小企业在获得发展所需资金的来源上却很难与其在国民经济中所处的重要地位相匹配。由于中小企业自身存在的问题和金融系统、社会环境的影响，中小企业融资面临着诸多问题，不利于企业未来发展。如何解决中小企业融资难问题成为政府、企业和研究学者所共同关注的课题。本文分析了中小企业融资所面临的问题，同时也分析了中小企业和政府、社会应对中小企业融资难题的对策。【关键词】中小企业；融资困境；融资渠道RESEARCHONFINANCINGCHANNELSOFTHESMALLANDMEDIUM-SIZEDENTERPRISES【Abstract】Withtheacceleratedprocessofeconomicglobalization,andtheincreasinglyfiercemarketcompetition,smallandmediumenterpriseshasbecometheworld'slong-termissues.20yearsofreformandopeningup,asChina'seconomicsystemreformofcontinuouslythorough,ourcountrysmallandmedium-sizedenterprisehasbeenhithertounknowndevelopment,playsamoreandmoreimportantroleinthenationaleconomy,hasbecomeoneoftheimportantsupportstrengthofnationaleconomy.SMEsnotonlythevitalityofrelationstothevigorofthewholeeconomiccompetition,butalsorelatedtotheprosperityandstabilityofthewholesociety.However,foralongtime,theimportantstatusofSMEsinthesourcesoffunddevelopmentonitisdifficultandthenationaleconomyinthematch.Duetotheimpactofsmallandmedium-sizedenterprisesitselfandthesocialenvironment,thefinancialsystem,thefinancingofsmallandmedium-sizedenterprisesarefacingmanyproblems,isnotconducivetothefuturedevelopmentofenterprises.HowtosolvetheproblemoffinancingSMEsbecomethecommonconcernofgovernment,enterprisesandscholarsofthesubject.Thispaperanalyzesthesmallandmedium-sizedenterprisefinancingproblems,andalsoanalyzesthecountermeasureofsmallandmedium-sizedenterprisesandthegovernment,thefinancingproblemofsmallandmedium-sizedenterprisessocialresponse.【Keywords】Smallandmedium-sizedenterprises；Financingdifficulties;Thefinancingchannels目录一、导论...................................................................................................................................................4（一）研究背景..............................................................................................................................4（二）研究目的及意义...................................................................................................................4（三）研究方法...............................................................................................................................5二、中小企业融资渠道文献综述............................................................................................................6（一）中小企业界定........................................................................................................................6（二）融资渠道理论综述................................................................................................................6三、中小企业融资现状及原因................................................................................................................7（一）中小企业融资现状和问题.................................................................
