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| 我国中小企业融资难及其对策 摘要：当今时代高速发展的经济促进了各种类型企业的发展，无论是大型企业还是中小企业都随着国内市场经济的进步而发生了相应的改变，中小企业的数量也逐渐增多。企业的增多在带动经济进步的同时还解决了很多人的就业问题，也促进了科技的进步。虽然中小企业的发展带来了上述进步，但是他们本身还存在着一些弊端，例如：资本不够、企业信用程度不够导致的担保力度不够，这些因素都会影响企业的进一步发展。如今的经济发展背景就需要银行制定出能够在控制信贷风险的同时又可以满足中小企业发展所需资金的一套合理方案。本文重点从以下几个方面对文章进行分析：第一：我们根据理论结合实践，分析了当前国内中小企业的融资情况，重点着手于企业当前采取的融资方式、融资过程中企业面临的问题以及企业需求的资金量等问题的分析；第二：进一步分析企业在融资过程中遇到的问题及产生问题的原因。第三：提出中小企业所面临的困境的相应解决策略，阐述企业从自身的角度以及金融机构方面能够为解决中小企业融资问题做出的贡献。 关键词：中小企业；融资困境；解决方案 The difficulty and Countermeasures of financing forsmall and medium-sized enterprises in China Abstract:The rapid development of contemporary economy has promoted the development of all kinds of enterprises. Two large companies and small and medium-sized enterprises have changed with the progress of domestic market economy, and the number of small and medium-sized enterprises is increasing gradually. The increase of enterprises not only promotes economic progress,but also solves the employment problems of many people, and promotes the progress of science and technology. Although the development of small and medium-sized enterprises has brought about the above-mentioned progress, they have some disadvantages,such as: insufficient capital,insufficient guarantee strength caused by insufficient credit level of enterprises, all of which will affect the further development of enterprises. Such a background of economic development requires banks to formulate a reasonable plan thatcan control credit risk and meet the development capital of small and medium-sized enterprises. This paper focuses on the following aspects: first,we analyze the financing situation of domestic small and medium-sized enterprises according to the theory and practice, and focus on the analysis of the current financing methods, problems faced by enterprises in the process of financing and the amount of capital needed by enterprises; second, further analysis of the problems encountered in the process of financing The problem and the reason for the problem. Third, the paper puts forward the corresponding solutions to the difficulties facedby SMEs, and expounds the contribution that enterprises can make to solve the financing problems of SMEs from their own perspective and financial institutions. Key words: small and medium-sized enterprises; financing difficulties; Solutions |
