改革开放三十年，我国的中小企业大量涌现并迅猛发展。截止2006年底，我国中小企业已经达到4200多万户，占全国企业总数的99．8％以上，所创造的最终产品和服务的价值占全国国内生产总值的60％左右，生产的商品占社会销售总额的60％，上交的税收已经超过全国税收总额的一半，提供了全国80％左右的城镇就业岗位。毫无疑问，中小企业在国民经济中已占据了举足轻重的地位。然而在我国现阶段，中小企业融资问题却是制约我国中小企业发展的“瓶颈”之一。中小企业融资存在着许多不容忽视的问题和不足，因此要认真分析现阶段我国中小企业融资的现状和问题，并采取有力的措施使其走到健康的轨道上来。这篇文章首先分析了我国中小企业融资现状和融资难的原因，然后针对解决我国中小企业融资难提出了意见和建议。
关键词： 中小企业； 融资问题； 融资
Abstract
Reform and opening up three decades, the medium and small enterprises in China are required. this and rapid development. By the end of 2006, China's small and medium-sized enterprise has reached 4200 million households, accounts for the enterprise's total more than 99.8 per cent, creating final products and services of value accounts for the 60 per cent of GDP, produced goods accounted for about 60% of the total social marketing, the taxes have been handed over half of the total revenue of provides national 80% of the town jobs. No doubt, small and medium-sized enterprises in the national economy have dominated the pivotal status. However, in our country present stage, sees' financing problems restricting Chinese small and medium-sized enterprise development is one of the "bottlenecks". Small and medium-sized enterprise financing deposit and take effective measures to make it go into healthy track. This article first analyzes the status quo and same financing difficulty to solve the reasons, and small and medium-sized enterprise financing difficult puts forward opinions and Suggestions.
Keywords: Small and Medium-sized enterprises; Financing problems; Financing difficulties
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