关于中小企业融资困境的探讨

摘要
改革开放以来，我国中小企业大量涌现并迅速发展，成为推动经济发展和维护社会稳定的重要力量。然而，中小企业在迅速发展的同时也遇到了不少的问题，在影响中小企业发展的诸多因素中，融资问题已成为制约中小企业发展的主要因素之一。中小企业融资困境的问题己引起各界广泛关注，解决中小企业融资问题是一项系统工程，涉及融资体制、信用环境、企业自身及融资机构的服务意识和服务水平等诸多方面。本文从中小企业的界定入手，在中小企业融资基本理论的介绍和现状的基础上，深入剖析了我国中小企业融资困境的成因，同时借鉴发达国家的先进经验，结合我国实际情况，从改善中小企业融资环境、提高中小企业整体素质、建立适合中小企业特征的金融融资体系等方面提出了解决我国小企业融资困境的对策建议。为从根本上解决中小企业融资困境的问题进行了探讨。

关键词：中小企业； 融资方式； 融资困境
Abstract
Since reform and opening, a large number of SMEs have sprung up in China and developed rapidly, which promotes economic development and therefore plays an important force in maintaining social stability. However, The development of SMEs also meets quite a lot of issues, of which the financing issue has become one of the major factors restricting its development. The issue of Financing of SMEs has attracted wide attention. Solving the financing problem of SMEs is a systematic project which involves the financing system, the credit environment, enterprise and financial sector services, their awareness and level of service as well as other aspects. In this paper, it attempts to start with the definition of the SMES and  thoroughly analyze the causes of the plight of SME financing, which is based on the introduction of the basic theory in SME financing and status.Meanwhile it also learns from the advanced experience of developed countries , and then combines with the actual situation in our country. Therefore, it can offer ways for SMES to improve financing environment, the overall quality, and the establishment of appropriate financing system for SMEs, the financial characteristics and other aspects of financing for small enterprises so as to solve the plight of our countermeasures. The paper has profoundly disscused the issue of difficulty in finacing of SMES.

Keywords:  SMEs； financing method； finacing plight

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