题目：温州中小企业融资对策分析摘要：中小公司是促进社会经济发展的关键动力，目前中小公司融资问题逐渐变成国内理论界与实践界所全面重视的现实问题。温州是中国经济发展最活跃的地区之一，民营经济作为温州经济的主要发展模式，是带动温州经济发展主体。民营经济发达、中小企业众多也让温州地区在中小企业融资难的问题上的表现也尤为突出。本文主要将目前温州中小公司融资现状当做分析背景，利用对该地区中小公司融资的内外环境开展深入研究，尝试寻找导致上述融资问题出现的现实因素，最终从营造良好的融资环境、提高公司综合融资水平以及寻找全新融资方式三部分着手，指出处理温州中小公司融资问题的举措，希望帮助此类中小公司处理现实融资问题。关键词：温州；中小企业；融资难Abstract：Smallandmediumenterprisesareanimportantforcetostimulatethenationaleconomy.Nowadays,thedifficultyoffinancingforsmallandmedium-sizedenterpriseshasbecomeamajorissueofcommonconcerninthetheoreticalandpracticalfieldsofourcountry.WenzhouisoneofthemostactiveareasofChina'seconomicdevelopment.PrivateeconomyisthemaindevelopmentmodeofWenzhou'seconomy.Wenzhouisalsothemostconcentratedpartofsmallandmedium-sizedenterprises.Smallandmedium-sizedenterprisesarethemainbodyofWenzhou'seconomicdevelopment.Atthesametime,itisalsothemostprominentproblemoffinancingdifficultiesforSMEs.ThisarticleisbasedonthefinancingsituationofsmallandmediumenterprisesinWenzhouastheresearchbackground.ThroughtheanalysisoftheexternalandinternalenvironmentofthefinancingofsmallandmediumenterprisesinWenzhou,thispapertriestofindoutthecausesofthefinancingdifficultiesofsmallandmedium-sizedenterprisesinWenzhou,andthenputsforwardtheproblemsofimprovingtheexternalfinancingenvironmentandraisingthefinancingenergyoftheenterprisesthemselvesandwideningthefinancingchannels.TosolvethefinancingproblemsofSMEsinWenzhou,wehopetohavesomeguidingsignificanceforourSMEs'financingactivities.KeyWords：Wenzhou;smallandmediumenterprises;financingdifficulties目录摘要............................................................................................................................IAbstract......................................................................................................................I一、引言...................................................................................................................3（一）研究背景及意义.....................................................................................3（二）有关概念解析.........................................................................................3二、温州中小企业融资的现状...............................................................................4（一）融资渠道窄.............................................................................................4（二）融资成本高.............................................................................................5三、温州中小企业融资难的原因分析..................................................................5（一）中小企业自身的原因.............................................................................5（二）外部环境的原因.....................................................................................6四、温州中小企业融资对策分析和建议..............................................................7（一）提升中小企业自身融资能力.................................................................7（二）完善中小企业外部融资体系.................................
