小微企业融资问题研究摘要小微企业在我国经济发展中处于基础性地位，在经济转型升级的背景下，对保持经济平稳增长、维持社会和谐稳定、改善社会民生具有积极作用。然而，金融资源供给不足已成为困扰小微企业发展的首要问题，企业想要生存发展就不得不想办法解决融资难、融资贵这一棘手问题。但是，由于小微企业自身产品竞争力较弱；管理松散、透明度差，且信用观念淡薄；其需求偏好有着自身独特性，对资金的需要主要是“少、频、急”；加之银企间信息不对称，导致真正能够满足其融资需要的金融机构少之又少。此外，政府支持力度的缺失、政策制定的不完善等也使得小微企业在寻求融资时处于尴尬地位。本文从小微企业融资现状入手，通过分析其在融资过程中所面临的种种问题，力争找到有效的解决方法，以改善制约小微企业发展的融资难题。帮助小微企业走出融资困境，得到更好地发展。关键字：小微企业；融资现状；原因；解决途径AbstractNowadays,smallandmicroenterprisesplayacornerstoneinthedevelopmentofeconomyinChina.Underthebackgroundofeconomictransitionandupdating,smallandmicroenterprisesnotonlymaintainsteadyeconomicgrowthandsocialharmony,butalsoprovideapositiveeffectwithimprovingpeople’slivelihood.However,theproblemoffinancialresourcessuppliedinsufficientlyhasbecometheprimaryissueinprocessofenterprisesdevelopment.Smallandmicroenterpriseshavetofindsomewaystosolvethetoughproblemoffinancing,iftheywanttoexistsafelyanddevelopsteadily.Whileduetothefeatureofproductionandmanagement,smallandmicroenterpriseshaveauniquedemandpreference.Moreovertheasymmetricinformationbetweenbanksandcompaniesleadingtothefinancialinstitutionislessandlesswhichcanmeettheneedsoffinancing.Inaddition,thelackofgovernmentalsupportsandtheimperfectionofpolicy-makingalsomakesmallandmicroenterprisesinanawkwardpositionwhentheyseekfinancing.Thisdissertationwillstartwiththepresentfinancingsituationofsmallandmicroenterprises,analyzingtheproblemsintheprocessoffinancing,lookingforsomeeffectivemethodstosolvetheproblems,andthenimprovingthefinancingissuewhichrestrictthedevelopmentofsmallandmicroenterprise.Reachingthetargettohelpsmallandmicroenterprisesoutofthefinancingdifficulties,getbetterdevelopment.Keywords:smallandmicroenterprises;financingstatus;reason;solution目录摘要...........................................................................................................................................IIAbstract...................................................................................................................................III一、绪论.....................................................................................................................................1（一）研究背景.................................................................................................................1（二）研究目的.................................................................................................................1（三）研究现状及成果.....................................................................................................21．国外研究现状........................................................................................................22．国内研究现状........................................................................................................2（四）研究方法及研究内容.............................................................................................3二、小微企业融资现状及问题调查...................................................
