小微企业信贷融资的问题及对策摘要小微企业在我国经济中占据着重要地位，当前由于小微企业自身存在的问题和整体信贷融资环境的原因，我国小微企业信贷融资存在诸多困难，本文分析了小微企业在信贷融资过程中存在困难的原因和融资特点，并针对融资困境指出了相关对策。关键词：小微企业；信贷；融资ProblemsandCountermeasuresofsmallandmicrobusinessesofcreditfinancingAbstract:thesmallandmicrobusinessesoccupyanimportantpositionintheeconomyofourcountry,thecurrentduetosmallandmicrobusinessesoftheirownproblemsandtheoverallcreditfinancingenvironment,China'ssmallandmicrobusinessescreditfinancingdifficulties,thispaperanalyzesthesmallandmicrobusinessescausesandcharacteristicsoffinancingdifficultiesintheprocessofcreditfinancing,andforthefinancingdifficultypointsoutrelevantcountermeasures.Keywords:smallandmicrobusinessesfinancing;credit;目录前言......................................................................................................................1第一章小微企业的界定标准..............................................................................2第二章我国小微企业融资的特点......................................................................32.1小微企业，特别是小企业更多地依赖内源融资................................32.2小微企业更加依赖债务融资................................................................32.3小微企业的债务融资以短期贷款为主................................................32.4小微企业更加依赖非金融机构和民间的各种非正规融资渠道........4第三章我国小微企业融资状况及融资方式分析..............................................53.1内源融资情况........................................................................................53.2间接融资情况........................................................................................53.3直接融资状况........................................................................................6第四章小微企业融资难的内外部因素分析......................................................84.1小微企业内在因素................................................................................84.2在银行贷款方面.....................................................................................94.3民间借贷等非正式金融机构的风险.....................................................94.4在国家政策方面.....................................................................................9第五章小微企业融资难解对策........................................................................115.1发展与小微企业相匹配的小微金融机构...........................................115.2引导和规范民间金融活动，拓宽小微企业民间融资渠道...............125.3建立多层次资本市场，完善小微企业直接融资体系......................135.4强化政府调控职能，提高融资市场的透明度..................................13总结....................................................................................................................15参考文献..............................................................................................................16致谢......................................................................................................................18前言小微企业是我国国民经济的重要组成部分，在促进经济发展、扩大税收来源增加就业机会和提高城市化水平等方面有着举足轻重的作用。我国小微企业已经发展成为拉动国民经济增长的主要生力军，因此，小微企业的生存和发展不仅关系到社会稳定和...
