我国小微企业融资难问题及其对策研究

内 容 摘 要

我国截止到2020年底国家外汇储备超过30000亿美元，中国目前储蓄率达高达45%，是世界上少有的高储蓄率的国家。应该说整个中国“资金丰盈”，但各大小微企业发现速度缓慢，资金严重短缺，申请银行贷款却屡屡被拒，是它们自身条件差、信用差、缺抵押、缺担保，亦或是政策取向，传导机制等问题。本文通过从各级政府配套政策、银行管理机制、小微企业自身情况等方面分析小微企业的融资现状，结合实际形成原因，参考国家一系列发展历程，来探讨小微企业融资难问题的分析方法和解决路径。

[关键词]：小微企业  融资难     新冠疫情  解决路径

我国小微企业融资难问题及其对策研究

目       录

引言·····························································5

第一章 我国小微企业资金现状·······································5

1.1我国小微企业划分标准··········································5

1.2我国小微企业基本情况···········································7

第二章 我国小微企业的融资现状·····································7

2.1小微企业的融资方式·············································8

2.2小微企业的融资难分析···········································9

2.2.1 自身条件····················································10

2.2.1 外部因素····················································10

小微企业融资的解决方案······································11

3.1 创环境························································11

3.2 搭平台························································11

3.3 固支点·······················································12

结论·····························································14

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