温州小微企业融资现状、问题及建议

目  录

一、温州小微企业融资现状·······································1

（一）温州小微企业现状·············································1

（二）温州小微企业融资现状··········································1

二、主要的融资问题··············································2

（一）融资需求上升，资金缺口加大····································2

（二）小微企业融资担保难···········································2

（三）融资门槛和成本高·············································2

（四）融资渠道不畅通···············································2

（五）小微企业的自身原因···········································3

（六）小微企业和银行间存在严重的信息不对称·························4

三、小微企业融资建议············································4

（一）提升小微企业自身能力·········································4

（二）完善融资体系，拓宽融资渠道···································4

（三）健全小微企业信用担保体系·····································4

（四）创新金融产品·················································5

（五）规范和引导企业家的担保行为···································5

（六）建立温州小微金融机构体系·····································5

（七）政府扶持·····················································6

参考文献 ·························································6

温州小微企业融资现状、问题及建议

   摘要：温州小微企业数量众多，市场活力强，在方便生活、增加就业、促进企业创新同时，成为了我国经济长期持续发展的重要力量。融资是企业经营的基础工作，任何一个企业的创立、生村、发展都需要资金的融通和运作。而小微企业力量薄弱，融资难问题成为制约它们发展的一大瓶颈。加上过去几年，温州的两场危机严重影响了投资人和企业家的信心和积极性导致了温州当地很多小微企业举步维艰，在这种特殊的背景下，融资难带来的困惑更深深地影响了小微企业的生存和发展。企业想要生存并加快发展步伐，必须解决融资问题，过好融资关。

   关键词：小微企业 融资难 现状 建议