摘要自二十一世纪以来经济快速增长，中小企业也慢慢开始发展起来，逐渐成为国民经济体系中的重要组成部分，一方面改善了我国以公有制为主体的经济制度；另一方面中小企业发展需要招贤纳士，缓解了紧张的就业压力以及由失业引起的一些列社会安定问题。在这个大背景下，发展中小企业、丰富经济增长动力是大势所趋。只是现今中小企业发展遇到了重重障碍，其中最大的问题就是融资问题。融资出现困难也有很多现实的客观问题，中小企业本身规模不大，信用无法保证，因而政府和国家对中小企业的帮扶力度有限。另外，我国中小企业还受到融资方式比较单一，并且融资的途径较少，融资渠道不广等因素的不良影响，中小企业的发展深受这些缺陷的阻碍。中小企业如果是从长远之计来看，解决融资难问题迫在眉睫。本文在研究中小企业融资现状以及融资难原因的基础上，希望能够通过转变中小企业创新模式开辟新的融资渠道的方式来为这一问题的解决提供一个切实可行的方法。关键词:中小企业，融资现状，信息不对称，互联网平台，互联网金融ABSTRACTSincethe21stcentury,therapideconomicgrowth,smallandmedium-sizedenterprisesbegantodevelopgradually,graduallybecomeanimportantpartofthenationaleconomicsystem,ontheonehand,improvetheeconomicsystemofpublicownershipasthemainpart;Ontheotherhand,thedevelopmentofSMEsneedstorecruitpeople,relievethetensionofemploymentpressureandsomesocialstabilityproblemscausedbyunemployment.Inthiscontext,thedevelopmentofsmallandmedium-sizedenterprises,richeconomicgrowthmomentumisthetrend.However,thedevelopmentofsmallandmedium-sizedenterpriseshasencounteredmanyobstacles,thebiggestproblemisfinancing.Therearemanyrealisticandobjectiveproblemsinfinancingdifficulties,smallandmedium-sizedenterprisesthemselvesaresmall,creditcannotbeguaranteed,sothegovernmentandthestatehavelimitedsupportforsmallandmedium-sizedenterprises.Inaddition,thesmallandmedium-sizedenterprisesinChinaarerelativelysimplefinancingmethods,andthefinancingchannelsareless,thefinancingchannelsarenotwidelyaffected,thedevelopmentofsmallandmedium-sizedenterprisesisdeeplyhinderedbythesedefects.IftheSMEsarefromthelong-termperspective,itisextremelyurgenttosolvetheproblemoffinancing.OnthebasisofstudyingthefinancingsituationandfinancingdifficultyofSMEs,thispaperhopestoprovideapracticalwaytosolvethisproblembychangingtheinnovationmodeofsmallandmedium-sizedenterprisestoopenupnewfinancingchannels.Keywords:Smallandmedium-sizedenterprises,financingstatus,informationasymmetry,Internetplatform,Internetfinance目录1引言................................................................................................11.1研究背景.............................................................................................11.2研究的意义.........................................................................................11.3相关文献综述.....................................................................................11.3.1国内外有关中小企业融资约束的研究..........................................21.3.2国内外有关解决中小企业融资约束的研究..................................21.3.3简要评述..........................................................................................31.4研究范围及内容.................................................................................31.4.1研究方法..........................................................................................31.4.2研究框架..........................................................................................32相关基础理论..............................
