中小企业融资中的问题及对策研究
内容摘要：近年来，中小企业在我国国民经济中发挥着越来越重要的作用，是我国经济发展背后的主要驱动力。中小企业融资难问题一直是制约中小企业生存与发展的重要因素，虽然近年来国家加大了对中小企业资金支持力度，我国中小企业融资难的情况有所好转，但是尚未得到彻底解决。目前我国中小企业的融资还存在着获得信贷支持少、融资渠道狭窄、担保体系存在缺陷等多方面问题。本文在首现对中小企业的地位及重要性进行定位，然后对对中小企业融资难进行分析，全方位地探讨了解决中小企业融资难的对策。文章同时从提升中小业自身素质、加大金融支持力度、完善外部环境等多个层面提出改进中小企业融资困境的建议和措施。力图全面改善中小企业企业融资环境、为中小企业发展提供宽阔平台。以实现中小企业的平衡健康发展。
关题词:中小企业，金融，信用，融资，对策
Problems and Countermeasures in the SME financing
Abstract：In recent years, small and medium enterprises in China's national economy is playing an increasingly important role in economic development of China, is the main driving force behind. Financing difficulties of small and medium-sized enterprises are always restricts the small and medium-sized enterprise survival and development of the important factors, although in recent years the country increases to the small and medium-sized enterprise capital to support strength, our country small and medium-sized enterprise financing difficult situation has improved, but have not been completely resolved. At present our country small and medium-sized enterprise financing still get the credit support, less narrow channels of financing guarantee system defects, etc. In this paper is the first to the small and medium-sized enterprise status and the importance of location, and then on the financing of small and medium-sized enterprises are analyzed, a full range of solutions to small and medium enterprises financing countermeasure. The article from the small and medium-sized industry oneself quality, increase finance to support strength, improve the external environment and other aspects of financing difficulties of small and medium-sized enterprises put forward improvement suggestions and measures. Trying to improve the SME financing environment, provide a wide platform for development of small and medium-sized enterprises. In order to realize the healthy development of small and medium-sized enterprises balance.z
Key words：SMEs, finance, credit, financing, countermeasure.
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