我国中小企业融资现状分析与对策研究
摘 要
中小企业在我国的经济生活中逐步占据重要的位置，而一直困扰其发展的融资困境也日益受到社会各界的认识和关注。
本文对中小企业进行概念上的界定，分析了我国中小企业的特点，并参照具体的数据论述了我国中小企业融资的意义。同时，对当前国内外中小企业融资的研究现状进行了追踪。
然后对企业融资的相关理论进行了介绍，对比介绍了几种不同的融资方式。对中小企业融资的相关理论进行了重点分析，并分析了我国中小企业融资的现状以及存在的问题。
继而重点分析了美国、日本为中小企业融资的方式和策略。并对发达国家普遍性的融资策略进行了总结。这些发达国家的通行做法，对我国运用金融手段解决中小企业融资问题不无借鉴意义。
最后提出了解决我国中小企业融资问题的思路和对策。其中包括中小企业融资观念的改变以及自身水平的提高；建立完善的社会信息体系；健全信用担保体系，并大力发展民间金融；加强对中小企业的法律保护也是解决这一问题的重要保障。
关键词：中小企业，融资理论，信用体系，国际经验
Abstract
Small and Medium Enterprises(SMEs) are hold a more and more important position in Chinese economics, and it has been concerned by all parts of the society.
In this first, the definition of SMEs and the analysis of the characteristics of SMEs in China has been concept at first. Meanwhile, in this chapter, the current status of SMEs financing at home and abroad has been traced.
Then I has introduced the relevant theory of corporate finance and several different modes of financing are compared. Financing for SMEs are the focus of the relevant theory analysis. More I analyzes the current situation of SMEs finance as well as problems in our country.
Next I focuses on analysis of the methods and strategies of financing for SMEs in United States and Japan. The universality of the financing strategy of the developed countries are summarized. The common practice in developed countries is worth learning to solve our financing problem.
At last presented to solve the problem of SME financing ideas and countermeasures. These include changes in the concept of SME financing, as well as raising the level of their own; establish a perfect social information systems; improve the credit guarantee system and to develop non-governmental finance; to strengthen the legal is also an important guarantee to solve this problem.
Key words: SMEs, Financing Theory, Credit System, International Experience
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