浅析我国中小企业融资困难及其解决方案

摘要

随着我国特色市场经济不断快速发展，各类中小企业如雨后春笋般应运而生，市场规模不断扩张，在一定程度上刺激了我国市场经济，并且促进了市场竞争、增进了市场的活力。中小企业的发展，特别是在提供就业岗位等方面具有不可替代作用。就目前情形来看，中小企业无论是在发展中国家还是发达国家都具有促进经济发展、维护社会稳定的重要作用。因此，各国都非常的重视中小企业可持续性经营发展，但是由于中小企业自身存在的缺陷、银行高度商业化以及近年国际、国内经济形势复杂多变等原因，中小企业融资逐渐陷入困境，这种已演变为是一个世界性的课题。因此，本论文将围绕中小企业的概念、融资现状等进行详细的分析，并提出相关的解决方法，对日后的研究具有一定的借鉴意义。

关键词：中小企业；融资；现状

目 录

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

引言······························································2

一、中小企业概论················································3

（一）中小企业融资背景·············································3

（二）中小企业概念·················································3

我国中小企业融资现状·······································3

内源融资现状·················································3

外源融资现状·················································4

在风险投资市场获得融资困难···································4

当前我国中小企业融资难分析································5

从政府角度分析···············································5

从金融机构分析···············································5

中小企业自身分析·············································5

对中小企业融资现状提出相应的对策·························6

加强中小企业规范化管理·······································6

政府进行相应的扶持···········································6

完善金融机构的中小企业融资服务·······························6

中小企业不断的培养优秀的专业人才·····························6

结论··························································7

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