简探中国中小企业融资方式

摘  要
中国中小企业总数比改革开放之初增长了数十倍，但是困扰中小企业发展的瓶颈是资金问题，具体表现为融资难。当然，目前中小企业的融资状况比以往有所改善，但融资难问题依然突出。这其中有企业自身的原因也有宏观外部环境的制约。
本文拟在通过对中国中小企业融资现状的分析和目前各种融资方式特点和适用范围的分析，区分不同融资方式的不同适用条件，为解决融资难这一难题，分析在选择具体的融资方式时，中小企业应注意现金流、财务杠杆、治理结构等方面的关键因素，提出解决中小企业融资难问题的办法和策略。
 关键词：中小企业;融资;方式;对策

ABSTRACT

The total number of Chinese small and medium-sized enterprises has been increased many times since the Reform and Open up in 1970s. The bottleneck of SMEs’ development is funding, which is reflected in the difficulties of financing. Of course, current financing situation of SMEs has improved than before, but the issue of financing is still outstanding. There are not only enterprises own reasons but also the influence of external macro-environment.
This paper analyzes the actual financing state of SMEs and characteristics of the various financing methods ,then distinguishs application terms of different financing modes. In order to solve the financing problems, SMEs should analyze the method of financing and take key factors such as cash flow, financial leverage, management structure into consideration.The paper also recommends some approaches and strategies to solve the problem of financing.

 KEY WORD: SMEs， financing，ways，stategies  

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