平度市小微企业融资问题研究

近年来，平度市小微企业发展迅速，在吸纳就业、增加税收以及促进经济发展方面发挥着重要作用。但由于企业管理水平低下，自身信息缺乏，政府和银行扶持力度不足等原因，融资难的问题依然存在，阻碍了小微企业的发展。因此，分析如何解决平度市小微企业融资难问题具有特别重要的理论和现实意义。通过大量阅读期刊、书籍与浏览网站，搜集相关信息，深入分析平度市小微企业融资问题。首先，研究平度市小微企业的发展现状、融资渠道及特点。其次，从小微企业自身、政府和金融体系方面来分析平度市小微企业融资难的原因。最后，结合平度市实际经济状况，从企业自身、政府及金融体系三方面提出解决小微企业融资困境的对策。

关键词：小微企业；融资；政府；金融体系

 
ABSTRACT
Pingdu’s small micro-enterprise has obtained considerable development in recently years and played a noticeable role in attracting the employment, increasing the tax and promoting the economic development. What helps to form difficulties in financing includes poorly managed and uncompleted information of small micro-enterprise, Whatever government and bank’s support on financing are far from enough hinder the development of small micro-enterprise. Probing into the effective way to solve the problem of pingdu’s small micro-enterprise’s financing has a very important theoretic and realistic meaning. Through reading a large number of journals, books and browsing the Web, gathering relevant information, to analyze the financing problems of pingdu’s small micro-enterprise. Firstly, it introduces the status of pingdu’s small micro-enterprise financing channels and financing features. Secondly, from the enterprise themselves, the government and the financial system to analyze the reason of the financing difficulties of pingdu’s small micro-enterprise. Lastly, combining the actual situation of the pingdu’s economy, the micro-enterprise, government and financial system need to work together to solve financing problem.

Key words：Small micro-enterprise；Financing；Government；Financial system

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