题目：西北地区中小企业融资困境及对策研究摘要伴随经济的进步，中小企业在国内经济发展中的位置更加关键。因投资少、见效快、能创造新的就业机会，其所占比重逐年增加。尤其在西北地区更是达总数的90%以上，对于拉动经济、带动就业做出了重大贡献。然而融资难却成为阻碍中小企业发展的共同难题。要想得到后续的稳定发展，就需要处理好融资困难的问题。因西北地区地处内陆，金融市场化程度低，融资模式单一，难能满足中小企业资金需求；其次，资金流动性不足导致的资金缺口限制了其后续发展。这些现状都有待于通过政府、市场及中小企业自身的共同努力来改善。本文主要从创建完善的西北区域金融服务系统和政策条文体系、增加此类公司的融资方式、强化与之相关的资金流动性监管、提升此类公司的综合实力等部分指出详细的对策，以便更好的缓和西北区域中小企业融资困难的局面。关键词：中小企业融资；西北金融环境；融资渠道；资金流动性；信用担保机制ABSTRACTWiththedevelopmentofeconomyinourcountry,smallandmedium-sizedenterprise(SME)areplayinganincreasinglyimportantroleinournationaleconomy.Becauseoflessinvestment,quickeffect,cancreatenewjobopportunities,theproportionofSMEinnationaleconomyisincreasedyearbyyear.Especiallyinthenorthwestregion,morethan90%ofthetotalisSME.Forstimulatingtheeconomy,promoteemploymenthasmadeasignificantcontribution.However,financingdifficultieshavebecomeacommonproblemhinderingthedevelopmentofSMEs.Toachieverapidandfarsighteddevelopment,itisimperativetosolvetheproblemoffinancing.Duetothenorthwestregionislocatedinthemainland,thedegreeoffinancialmarketislow,thefinancingmodeissingle,itisdifficulttomeettheneedsofsmallandmedium-sizedenterprises;Furthermore,theshortageoffundscausedbythelackofliquidityconstraintsitssubsequentdevelopment.Alloftheseneedtobeimprovedthroughthejointeffortsofthegovernment,themarketandthesmallandmedium-sizedenterprisesthemselves.Thispaperputsforwardspecificmeasurestoimprovethestrengthofsmallandmedium-sizedenterprisesinthesefouraspects:setupasoundfinancialservicesystemandpolicysysteminNorthwestChina,tobroadenthefinancingchannelsforsmallandmedium-sizedenterprises,strengthenliquiditymanagement,promotingtheownstrenghthofsmallandmedium-sizedenterprises.Hopingtoeasetheproblemoffinancingdifficultiesofsmallandmedium-sizedenterprisesinnorthwestareainacertainextent.KEYWORDS:Smallandmedium-sizedenterprisefinancing;Northwestfinancialenvironment;Financingchannel;Liquidity;Creditguaranteemechanism目录1绪论........................................................................................................................................11.1研究背景.........................................................................................................................11.2研究意义.........................................................................................................................21.3国内外文献综述及总结.................................................................................................21.3.1国外文献综述........................................................................................................21.3.2国内文献综述........................................................................................................31.3.3现有文献综述总结................................................................................................41.4研究理论与方法.............................................................................................................51.4.1研究理论.......
