论我国中小企业融资难的成因及其对策分析

摘  要
中小企业是我国国民经济的重要组成部分，在经济社会发展中具有大企业无法替代的特殊的战略地位。小企业作为活跃市场的基本力量，容纳了社会上大多数的就业人员，在促进经济增长及解决就业和再就业过程中，发挥着重要作用。融资难已成为制约中小企业持续发展的“瓶颈”。本文分析了我国中小企业融资现状及存在的问题，并针对这些问题，提出创新金融产品，完善金融服务体系，拓宽融资渠道、优化金融环境是解决我国中小企业融资难问题的当务之急。我国的中小企业迅速发展壮大，已成为推动国民经济持续、健康发展的重要生力军和最具有活力的“经济增长点”。但是，资金短缺、融资困难、融资渠道单一却始终严重制约着中小企业的持续发展和壮大。就中小企业融资难的原因进行分析，并提出相应的对策。

关键词：中小企业；融资问题；原因分析；对策

Abstract
Small and Medium Enterprisess are an important part of our national economy. in the economic and social development can not be replaced with large enterprises a special strategic position..Small business as an active market, the basic force, accommodating the majority of employed persons in society, in promoting economic growth and to solve the employment and re-employment process, play an important role. Financing difficulties of SMEs has become a constraining the sustainable development of the “bottleneck.” This paper analyzes the current condition of financing of SMEs in China and existing problems and address these issues and put forward innovative financial products, improve the financial service system, expand financing channels, to optimize the financial environment is difficult to solve the problem of SME financing priority. China's rapid development and expansion of SMEs, has become to promote the sustained,healthy development of an important new force and most vibrant “economic growth.” However, the shortage of funds, financing difficulties, financing channels for the single has always been a serious constraint to sustainable development and growth of small and medium enterprises .SME financing difficulties on the analysis of the causes and propose countermeasures.

Key words:Small and Medium Enterprisess;Financing;Analysis;Countermeasur

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