试论我国中小企业融资现状及对策

目       录

一 中小企业融资现状······························2

（一）中小企业融资渠道狭窄·······················2

（二）信用担保体系的不完善·······················3

（三）融资成本高·································3

二 产生融资问题的原因····························4

（一）政府·······································4

（二）金融·······································5

（三）企业自身···································5

（四）信用等级差·································6

三 解决问题的对策································6

（一）政府方面···································6

（二）金融方面···································8

（三）企业自身···································9

（四）信用制度建设·······························10

         结论············································11

          参考文献········································12

内 容 摘 要

中小企业作为国民经济的重要组成部分，对中国经济建设和改革开放、构建和谐社会等方面发挥着越来越重要的作用。进入2011年，在流动性紧张和通货膨胀压力持续高企的形势下，中小企业资金紧张状况普遍加剧，盈利空间有所缩小，中小企业融资难题再次成为焦点。中小企业融资难问题是企业自身、融资市场以及政府等众多因素共同作用的结果，其中，企业自身的发展是根本，政府的帮扶是关键。所以，有效解决我国中小企业融资难，还需中小企业、银行和政府三方共同努力。

关键词：融资现状 融资渠道 中小企业 融资难