我国小微企业融资难问题及其发展对策

内 容 摘 要

根据调查报告显示，小微企业是我国企业的主体。我国小微企业由于自身资源有限、信息不灵、经验缺乏等等因素使得其抵当风险的能力低，很难在信贷条件下融得所需的资金，但是为了降低风险和增加融资成功率，小微企业融资仍然愿意接受用高于大中型企业的贷款利率从金融机构取得资金，这增加了小微企业的融资成本，而且在对小微企业冗杂的查核过程中延长了小微企业获得资金的时间，影响了小微企业的存活率。小微企业作为市场经济的重要主体，能够增强经济活力，充分吸纳就业，所以为了保持市场的良性发展，我们应该推动企业自身进步，金融创新，在政府政策的引导下，让企业获得更好的发展，有利于我国经济快速增长。

[关键词]：小微企业；小微企业融资难；金融创新；政府扶持；

目       录

摘要························································1

小微企业概况············································3

（一）小微企业的内涵········································3

小微企业的划分···········································3

小微企业的特点···········································3

3. 小微企业的作用···········································3

（二）小微企业融资现状······································4

二、小微企业融资现状········································4

（一）融资渠道与发展现状····································4

（二）小微企业融资难点······································5

1.直接融资受阻··············································5

2.间接融资成本高············································6

三、小微企业融资困难的原因··································6

（一）政府政策不完善········································6

（二）金融体系的发展限制····································6

（三）小微企业自身存在的问题································7

四、如何构建小微企业融资新格局······························8

（一）政府政策支持··········································8

（二）推动金融机构创新发展··································9

（三）小微企业自身提高实力··································9

五、结论····················································11

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