我国中小企业融资难的原因及对策研究ResearchontheReasonsandCountermeasuresofFinancingDifficultiesofSMEinChina摘要中小企业的发展是国家经济发展的基础，每一项生产生活的背后都离不开小企业的运作，它在推进国民经济增长和增加就业等各个方面发挥着必要的作用。但是在当今大环境下，中小企业与其他大企业相比，生产规模小、资金容易短缺，所以中小企业在创业阶段遇到的最大难题就是融资。融资困难越来越阻碍中小企业的发展。目前因为新冠疫情造成社会层面的封禁，企业难以运行，内部人员面临失业现状。地方政府一直对中小企业十分重视，怎样使得中小企业健康、稳定、快速发展是讨论最多的话题。在文章中通过理论分析和文献分析等多种研究方法，对全国中小企业的发展进行分析，认为我国中小企业发展仍有很大空间。进一步研究其融资环境，融资途径和融资状况后发现，中小企业融资难，融资贵的主要原因在于公司制度不健全，银行和金融公司担保体系不完善等多种原因。并且结合国内具体情况提供了两大点建议，首先是企业内部要进行改革，提高整体竞争力，其次是金融体系要逐渐完善，保障融资渠道贯通。关键词：中小企业；融资；政府政策ResearchontheReasonsandCountermeasuresofFinancingDifficultiesofSMEinChinaAbstractThedevelopmentofsmallandmedium-sizedenterprisesisthefoundationofnationaleconomicdevelopment,everyproductionandlifebehindtheoperationofsmallenterprises,itplaysanimportantroleinpromotingnationaleconomicgrowthandincreasingemploymentandotheraspects.However,inthecurrentfiercemarketcompetition,comparedwithotherlargeenterprises,smallandmedium-sizedenterpriseshavesmallerproductionscaleandarepronetoshortageoffunds.Therefore,thebiggestproblemtheyencounterinthestart-upstageisfinancing.Financingdifficultiesareincreasinglyhinderingthedevelopmentofsmallandmedium-sizedenterprises.CompaniesarestrugglingtooperateduetosocialrestrictionscausedbytheCOVID-19pandemic,andemployeesarefacingunemployment.Thelocalgovernmenthasalwaysattachedgreatimportancetosmallandmedium-sizedenterprises,howtomakethehealthy,stableandrapiddevelopmentofsmallandmedium-sizedenterprisesisthemostdiscussedtopic.Inthispaper,throughtheoreticalanalysisandliteratureanalysisandotherresearchmethods,thedevelopmentofsmallandmedium-sizedenterprisesinChinaisanalyzed,anditisbelievedthatthereisstillalotofspaceforthedevelopmentofsmallandmedium-sizedenterprisesinChina.Furtherstudyofitsfinancingenvironment,financingapproachesandfinancingconditionsfoundthatSMESfinancingdifficult,financingexpensivemainreasonslieinthecompanysystemisnotperfect,banksandfinancialcompaniesguaranteesystemisnotperfectandotherreasons.CombinedwiththespecificsituationinChina,twosuggestionsareprovided.First,theenterpriseshouldcarryoutinternalreformtoimprovetheoverallcompetitiveness.Second,thefinancialsystemshouldbegraduallyimprovedtoensuretheconnectionoffinancingchannels.KeyWords：SME；Financing；GovernmentPolicy目录摘要.............................................................................................................................IAbstract..........................................................................................................................II一、引言........................................................................................................................2（一）研究背景....................................................................................................2（二）研究目的与意义........................................................................................31.研究目的..............
