中小企业融资问题与研究——以欣禾科技为例摘要近年，中小企业已经成为发展潜力最大、发展活力最强的经济形式。在西藏地区，中小企业也在经济发展和吸纳就业等方面发挥着难以替代的作用。在一个企业的经营和发展过程中，不可避免的会产生各种各样的融资需求。当内部融资难以满足需求时，企业就必须从外部渠道获取资金以确保经营的连续性。然而，相比大型企业，中小企业却面临着越来越严峻的融资困境。因此，本文选择了西藏地区中小企业融资问题作为研究课题，探讨其融资现状以及融资困境的形成原因。最后，本文以此为根据提出了解决中小企业融资问题的建议与对策。本文针对西藏地区中小企业融资问题进行研究，对于解决其融资难问题进而促进其发展有着一定的意义和价值，对于促进西藏地区国民经济发展也有所裨益。关键词：中小企业；融资问题；西藏地区ABSTRACTWiththecontinuousdevelopmentofChina'seconomy,thestatusofsmallandmedium-sizedenterprisesinthenationaleconomicsystemisbecomingmoreandmoreimportant.Inrecentyears,smallandmedium-sizedenterpriseshavebecomethemostpotentialandvigorouseconomicformofdevelopment.InTibet,smallandmedium-sizedenterprisesarealsoplayinganirreplaceableroleineconomicdevelopmentandemployment.Intheprocessoftheoperationanddevelopmentofanenterprise,therewillinevitablybeavarietyoffinancingneeds.Wheninternalfinancingisdifficulttomeetthedemand,theenterprisemustobtainfundsfromtheexternalchanneltoensurethecontinuityofoperation.However,comparedtolargeenterprises,smallandmedium-sizedenterprisesarefacingmoreandmoreseverefinancingdifficulties.Thedifficultyoffinancinghasbecometheprimaryproblemthatplaguesthedevelopmentofmanysmallandmedium-sizedenterprises.Therefore,thispaperchoosesthefinancingproblemofsmallandmediumenterprisesinTibetasaresearchtopic,anddiscussesthecurrentsituationoffinancingandthereasonsfortheformationoffinancingdifficulties.Finally,thispaperputsforwardsomesuggestionsandCountermeasurestosolvethefinancingproblemsofsmallandmedium-sizedenterprises.Thispaperstudiesthefinancingproblemsofsmallandmedium-sizedenterprisesinTibet,whichhascertainsignificanceandvalueforsolvingitsfinancingdifficultiesandpromotingitsdevelopment.ItalsohelpstopromotethedevelopmentofTibet'snationaleconomy.Keywords:Smallandmediumenterprises;financingproblems;Tibetregion目录摘要................................................................................................................................4ABSTRACT...................................................................................................................5第1章绪论..................................................................................................................71.1研究背景..........................................................................................................71.2文献综述..........................................................................................................71.3研究目的与意义..............................................................................................81.4研究方法..........................................................................................................9第2章中小企业融资现状——以欣禾科技为例......................................................102.1资金使用效率................................................................................................102.2融资渠道........................................................................................................112.3融资成本.............
