当前国内中小企业融资难的原因与对策研究

摘  要

中小企业已经成为推动中国当前社会和经济发展，市场繁荣的重要力量，融资难问题已经成为阻碍中小企业发展的关键问题，与大企业相比，中小企业的融资能力明显处于劣势。促进和维护企业的生产经营活动离不开资金，中国的小型和中型企业援助还不完善，体系尚未建立，导致中小企业很难解决在商业信用的发展融资渠道和非正规渠道的资金缺口问题。解决中小企业融资难的问题可以在中小企业发展中起到重要作用，中小企业不仅需要自身的努力，还需要社会各界给予强有力的支持。

关键词：中小企业；融资困境；金融支持；对策探讨

Reasons and Countermeasures of the current domestic small and medium-sized enterprise financing

Abstract

    Capital is the first impetus of economic activities of enterprises and the sustained driving force, promote and maintain the production and operating activities of enterprises can not be separated from the capital. Financing is an important factor restricting the development of smes. Due to the imbalance of the structure and function of the internal financial system long-term financial repression caused by the imbalance in the process of economic transition, so small and medium-sized enterprises have to pass some informal channels of financing and commercial credit to solve the funding gap problem in the development of. To solve the financing problem of SMEs is a large scale, involving a wide range of systems engineering, which needs of SMEs in their efforts, they need the social from all walks of life to give strong support.

Keywords: Small and medium-sized enterprises; financing; financial support; Countermeasures

目  录

引言 4

一、我国中小企业的融资现状及资金来源结构分析 4

（一）中小企业融资结构特征 4

（二）企业的资金来源分析 4

二、我国中小企业的融资效率 5

（一）中小企业融资的宏观效率 5

（二）中小企业融资的微观效率 5

三、中小企业融资难的成因 6

（一）中小企业自身方面的原因 6

（二）金融服务机构方面的原因 6

（三）政府职能机构方面的原因 6

四、针对中小企业融资难的对策探讨 7

（一）加强中小企业自身资金管理、制度、担保体系等方面建设 7

（二）改善政策鼓励与扶持现状，打造资本市场体系与融资体系 7

（三）规范政府监管，制定税收扶持政策，保证公平公正、合理引导 7

五、结论 8