我国中小企业融资困境原因及应对措施研究摘要在日益完善的社会主义经济市场体制下，国内的一些中小企业如鱼得水，迅速发展，并及时的占据了重要的经济地位，在快速发展的同时，也出现了一些比较明显且亟待解决的问题，我国的中小企业的发展并不是很乐观，营业额和利润的大幅度下滑，使企业的资金极度短缺，在资金短缺的经济市场中，融资是一个解决问题的方法，因此受到了很多企业的青睐，然而实际的融资过程中也会遇到一些问题，例如：中小企业的自身原因、行业原因、政策原因等都会成为融资的不顺利因素。因此，此文是以中小企业面临的以上的问题，并以M公司为例展开叙述和讨论，由点及面，多角度的探讨了中小企业融资优化对策，以期能够为相关管理者提供有价值的参考。关键词：中小企业；融资；对策AbstractUndertheincreasinglyperfectsocialisteconomicmarketsystem,somesmallandmedium-sizedenterprisesinChinahavedevelopedrapidlyandoccupiedimportanteconomicstatusinatimelymanner.Atthesametimeofrapiddevelopment,therehavealsobeensomeobviousandurgentproblemstobesolved.ThedevelopmentofSMEsisnotveryoptimistic.Thesharpdeclineinturnoverandprofitshascausedthecompany'sfundstobeextremelyshort.Intheeconomicmarketwherefundsarescarce,financingisasolutiontotheproblem,andithasbeenfavoredbymanycompanies.However,someproblemswillbeencounteredintheactualfinancingprocess.Forexample,theself-causesofSMEs,industryreasons,andpolicyreasonswillallbecomeunsuccessfulfactorsforfinancing.Therefore,thisarticleisbasedontheaboveproblemsfacedbySMEs,andtakesMcompanyasanexampletodiscussanddiscuss.Fromthepointofview,itdiscussesthefinancingoptimizationstrategiesofSMEsfromdifferentangles,inordertoprovidevaluablevaluetorelevantmanagers.Reference.Keywords:smallandmediumenterprises;financing;countermeasures目录摘要..............................................................................................................................1Abstract..........................................................................................................................1一、绪论........................................................................................................................31.1研究背景...........................................................................................................31.2研究目的与意义...............................................................................................31.3研究方法...........................................................................................................4二、相关概念及理论....................................................................................................4（一）融资.............................................................................................................4（二）信息不对称理论.........................................................................................4三、我国中小企业融资存在的问题及原因................................................................43.1融资中存在的问题...........................................................................................43.1.1融资成本较高.........................................................................................43.1.2融资渠道较狭窄.....................................................................................53.1.3存在融资缺口.........................................................................................53.2融资问题原因探析..........................................................
