中小企业融资问题及其渠道构建研究

摘要：近年来，随着我国市场经济的不断发展，中小企业也得到了迅速的发展。我国中小企业数量迅速增加,对于发展地方经济和增加财政收入等方面都发挥着重要的作用。但客观来讲，中小企业规模较小、技术装备水平落后，底子薄、自有资本偏小等原因，导致中小企业的经营风险较大，抗风险能力弱，以至于当前中小企业“融资难”状况仍未出现根本性改变。本文通过对我国目前中小企业融资现状和融资困难的分析，探寻中小企业融资难问题的解决途径，为我国政府解决中小企业发展问题提供科学依据和可操作性对策，为我国中小企业经营者提供一系列理论与实践相结合的新思路和新方法，具有重要的现实意义。

关键字：中小企业；融资现状；融资渠道 　

[Abstract] Recently, with the developing of the market economy in China. especially the medium-sized and small enterprises . The number of China's small and medium-sized enterprises increased rapidly, increasing play an important role in the fiscal revenue for the local economy and the development of. But objectively speaking, technology and equipment level of small and medium-sized enterprises small scale, backward, weak economic foundation, private capital is small and other reasons, led to the small and medium-sized enterprise business risk, weak ability to resist risks, so that the small and medium-sized enterprises "financing difficult " situation has not fundamentally changed. In this paper, through the analysis of the present situation and the financing of small and medium-sized enterprises financing difficulties, explore solutions to the difficult problem of financing of small and medium-sized enterprises, and provide a scientific basis for operational countermeasure for Chinese government to solve the problem of the small and medium-sized enterprise development, new ideas and new methods to provide a series of combination of theory and Practice for the operators of small and medium-sized enterprises in China, has the important practical significance.
[Key words]　　Minor enterprises；Financing status；Financing channel

目  录

摘要………………………………………………………………………I
Abstract ……………………………………………………………II
引言………………………………………………………………………7
1 国内外研究文献综述…………………………………………………7
1.1国外研究文献综述…………………………………………………7
1.2国内研究文献综述…………………………………………………7
2 中小企业及融资渠道的认识…………………………………………8
2.1中小企业的定义……………………………………………………8
2.2融资渠道的分类……………………………………………………8
3 中小企业的融资现状…………………………………………………8
3.1内源融资不足………………………………………………………9
3.2融资成本较高………………………………………………………9
3.3融资渠道狭窄………………………………………………………9
3.4银行贷款难…………………………………………………………9
3.5民间融资盛行………………………………………………………9
3.6容易受外部环境的冲击……………………………………………9
4 中小企业融资困难的分析…………………………………………9
4.1内部环境分析………………………………………………………10
4.1.1管理能力差，风险意识弱…………………………………10
4.1.2财务管理不规范……………………………………………10
4.1.3信用观念不足………………………………………………10
4.2 外部环境分析……………………………………………………10
4.2.1国有大银行对中小企业无暇顾及…………………………10
4.2.2银行提供的金融服务品种单一……………………………10
4.2.3中小企业信用担保体系落后………………………………10
4.2.4缺少政府支持…………………………………………………10
4.2.5缺少法律保护…………………………………………………11
5 拓宽中小企业融资渠道……………………………………………11
5.1中小企业融资的主要渠道…………………………………………11
5.1.1外部融资渠道……………………………………………………11
5.1.2内部融资渠道……………………………………………………11
5.2拓宽中小企业的融资渠道……