题目：我国中小企业融资存在问题及解决对策摘要近年来，我国的中小企业得到了空前的发展，中小企业的数量在持续的增加在国民经济发展以及产业结构的升级过程中所发挥出来的作用也越来越大。从中小企业的分布来看，则主要集中于一、二、三产业当中。从分布领域来看，几乎涉及到了所有的竞争性领域和行业，然而，我国的金融体系的改革还相对滞后，资本市场还不发达，以及中小企业自身的一些情况，让我国的中小企业融资非常的困难。然而随着经济的不断发展，中小企业对经济所起到的作用也更加受到各国的重视。然而，一些金融机构为了追求自身发展的机会，产生歧视中小企业的想法，在社会上形成了轻视中小企业的观念，由此造成了中小企业融资难，缺乏公平竞争的市场环境，以及非公有经营者的社会地位不确定性。现在的民营企业面临的制约因素有：国内尚未建立起自由创业的环境；缺乏完善的社会化服务体系；社会信用体系、法制建设不健全；资金短缺、融资渠道不畅。因此，应当特别关注和努力解决中小企业融资难的问题。在国家宏观调控的背景下，企业特别是中小企业融资难和银企关系，再次成为人们关注的一个焦点问题。如何才能解决我国中小企业融资问题，更是引起了社会各界学者们的广泛关注，本文从中小企业的概念入手，继而分析中小企业融资的现状。然后根据中小企业的发展现状，分析其中存在的问题，并提出相应的建议。关键词：中小企业；融资；现状；问题；对策ABSTRACTInrecentyears,China'ssmallandmedium-sizedenterpriseshavebeenanunprecedenteddevelopment,thenumberofsmallandmediumenterprisescontinuedtomount,playedoutinthedevelopmentofnationaleconomyandtheupgradingprocessofindustrialstructureismoreandmorebigrolein.Fromthedistributionofsmallandmedium-sizedenterprises,mainlyconcentratedintheoneortwo,thethreeindustry.Fromthedistributionoffieldofview,almostinvolvedallcompetitivefieldandindustry,however,thereformofChina'sfinancialsystemisrelativelybackward,thecapitalmarketisnotdeveloped,somecasesandsmallandmedium-sizedenterprises,toChina'sSMEsfinancingisverydifficult.However,withthedevelopmentofeconomy,thesmallandmedium-sizedenterprisetotheeconomicroleplayedbymoreandmoreattentionallovertheworld.However,somefinancialinstitutionsinthepursuitoftheirowndevelopmentopportunities,havethediscriminationofsmallandmediumenterprisesideas,inthecommunityformedadespisetheconceptofSMEs,resultinginthefinancingofsmallandmedium-sizedenterprises,thelackofamarketenvironmentforfaircompetition,andtheoperatorsofthesocialstatusofuncertainty.Restrictionfactorsfacedinpresentprivateenterpriseshave:wehavenotyetsetupfreeentrepreneurialenvironment;lackofperfectsocializedservicesystem;socialcreditsystem,theconstructionoflegalsystemisnotperfect;theshortageoffunds,financingchannelsaresluggish.Therefore,weshouldpayspecialattentionandeffortstosolvethefinancingproblemofsmallandmedium-sizedenterprises.Atthenationalmacro-controlbackground,enterprises,especiallythefinancingofsmallandmedium-sizedenterprisesandtherelationshipbetweenbanksandenterprises,hasbecomeafocusthatpeoplepayscloseattentiontoagain.Howtosolvethefinancingproblemofsmallandmedium-sizedenterprisesinChina,hasarousedwidespreadconcerninthecommunityofscholars,thisarticlefromtheconceptofsmallandmedium-sizedenterprisesstart,thenanalysisofthepresentsituationofthefinancingofsmallandmediumenterprises.Thenaccordingtothesmallandmedium-sizedenterprisedevelopmentpresentsituation,analyzetheexistingproblems,andputsforwardthecorrespondingproposal.Keyword：smallandmedium-sizedenterprises；financing；presentsituation；problems；countermeasures目录摘要................................
