经济常态下中小企业融资问题研究摘要随着经济的不断地发展，中小企业在我国经济发展的道路上占有重要的的地位近两年我国经济而临下行压力。在这种经济形势下，中小企业的融资问题更是雪上加霜。中小企业作为国民经济的重要组成部分，为社会提供就业岗位，缓解就业矛盾提供众多岗位但是在中小企业的发展中，资金匿乏、融资渠道不畅通，融资难问题一直困扰企业，成为中小企业发展的瓶颈，长期以来,中小企业的发展在我国国民经济建设中发挥了重要的作用,但是它的发展却受着资金的制约，解决中小企业融资难的问题已经迫在眉睫。因此要对我国中小企业融资中存在的问题及其成因进行剖析并制定出相应的措施。本文对中小企业融资现状和融资困难的原因，分别从国家宏观政策、金融体系、企业自身素质三个方面进行分析,得出我国中小企业的社会金融体系不够完善、信用担保不成熟、中小企业信息不对称、自身体制不健全、信用度低等都是造成中小企业融资困难的主要因素。并在借鉴国外经验的基础上，结合我国国情，提出要从中小企业自身抓起，切实提高企业总体素质，同时加速建立多层次、全方位、完善的中小企业融资支持体系和健全的经营机制，改善中小企业融资的宏观政策环境，才能保障中小企业健康快速的发展，促进我国国民经济的发展。本文在经济新常态下，从资金供给和需求两个方面，探究中小企业融资困境和原因，并提出解决对策。关键词：中小企业融资新常态AbstractWiththecontinuousdevelopmentofeconomy,smallandmedium-sizedenterprisesinChina'seconomicdevelopmenthasanimportantpositionontheroadinthepasttwoyears,China'seconomyisfacingdownwardpressure.Inthiseconomicsituation,thefinancingproblemofSMEsisevenworse.Smallandmedium-sizedenterprisesisanimportantpartofthenationaleconomy,providingjobsforthecommunity,toeasethecontradictionofemploymentprovidesmanyjobsbutinthedevelopmentofsmallandmedium-sizedenterprises,lackoffunds,financingchannels,financingdifficultproblemhasplaguedtheenterprise,becomeabottleneck,thedevelopmentofsmallandmedium-sizedenterprisesforalongtime,thedevelopmentofsmallandmedium-sizedenterprisesplayanimportantroleinthenationaleconomicconstructioninChina,butitsdevelopmentisbeingaffectedbyfundingconstraints,solvethefinancingproblemofSMEsisimminent.Therefore,itisnecessarytoanalyzetheproblemsexistinginthefinancingofsmallandmedium-sizedenterprisesinChinaandthecausesoftheproblems.ThereasonsofSMEsandthefinancingdifficulties,wereanalyzedfromthethreeaspectsofthenationalmacroeconomicpolicyandfinancialsystem,thequalityoftheenterpriseitself,thesmallandmedium-sizedenterprisesofourcountrysocialfinancialsystemisnotperfect,creditguaranteeisnotmature,thesmallandmedium-sizedenterpriseinformationasymmetry,itssystemisnotperfect,lowcreditaremainlyfactorscausingthefinancingdifficultiesofsmallandmedium-sizedenterprises.Andonthebasisofforeignexperience,combinedwithChina'snationalconditions,putforwardfromthesmallandmedium-sizedenterprises,andeffectivelyimprovetheoverallqualityofenterprises,andacceleratetheestablishmentofsoundmanagementsystemandmechanismofSMEsfinancingsupportmulti-level,all-roundandperfect,improvethefinancingofsmallandmediumenterprisesinthemacropolicyenvironment,inordertoprotectthesmallandmediumsizedenterprisesthehealthyandrapiddevelopment,promotingthedevelopmentofournationaleconomy.Inthispaper,undertheneweconomicnormal,fromthetwoaspectsofcapitalsupplyanddemand,toexploretheplightofsmallandmediumenterprisesfinancingandcauses,andproposesolutions.Keywords:smallandmedium-sizedenterprisefinancingnewnormalcountermeasure目录1绪论....................................................................
