小微企业融资现状及发展研究小微企业融资现状及发展研究摘要对发达国家和发展中国家而言，小微企业的发展不仅可以增进经济的发展，在社会的安定和谐发展方面也有着重要的作用。从现有的小微企业总数来看，不论是在对GDP做出的贡献，在促进就业缓解就业问题和社会安定方面都是不可替代的。但小微企业在生产运行中能得到的金融资源却仍很匮乏。因此本文力图在小微企业融资难这一问题上展开论述进行分析找出解决方法。首先，先确定了目前对于小微企业和企业融资等的概念界定，并探讨了目前状态下小微企业的融资方式，引出小微企业融资难问题，并分析产生的原因。然后选取建设银行针对小微企业的金融产品结合实际案例进行分析，阐述小微企业借助融资产品解决了小微企业的生存危机。本文最后按照分析的相关原因和实际案例做基础，对解决小微企业融资难提出了若干解决办法。关键词： 小微企业，融资难，对策及建议Status and Development of small and microenterprisefinancing . ABSTRACT For both developed and developing countries , the development of smalland micro enterprises in economic development is not only in terms of socialstability has an importantrole. From the total number of existing small andmicro enterprises are concerned, both in the contributionto GDP, or in thepromotionof employment and employment issues to alleviate social stabilityare irreplaceable . But the financialresources to small and micro enterprisesin the business activities can get is scarce. Therefore , in this paper seeks toexpand financingdifficultiesof small and micro businesses find solutions toanalyze discourse on this issue. First , make sure the currentfor small andmicro enterprises and corporate finance concepts defined and discussed the stateof financing small and micro enterprises, small and micro business financingleads to problems, analyze the causes. Then select the ConstructionBank forand micro enterprises financial products combined with practical case analysisto explain the financing of small and ...
