【编辑】我国中小企业融资困境及其对策探讨.doc

摘 要 本文在阐述我国中小企业融资现状的基础上，从企业本身﹑金融机制和政府三个层面深入分析了当前我国中小企业融资难的原因，并提出了相应的治理对策，如企业要加快发展，切实提高盈利能力，增强自身信用观念，努力拓展融资渠道和方式；金融机构要解放思想积极创新，逐步消除对中小企业的金融抑制，建立多层次的信用担保制度；政府要完善政策法律法规，加大对企业制度支持和金融扶持力度等。 关键词 中小企业，融资困境，解决对策 ABSTRACT This paper describes the status of SME financing, based on the business itself from the government, finance mechanisms and three levels of in-depth analysis of the current financing difficulties of SMEs in China, and suggests the corresponding countermeasures: The first, enterprises need to accelerate their improvement, raise the ability of making profit factually, enhance themselves’ conception on credit, and expand the financing channel and way hardly. The second, the finance organizations need to liberate thought and bring forth new ideas actively, dispel the financial repression to the SMEs gradually, and build several levels of institutions of credit guarantee. The third, the govern-ment needs to improve the laws and regulations, and increase the supports of institutions and finance for the SMEs. Keywords The SMEs; Financing difficulties; Solving strategies 目 录 摘 要............................................................I ABSTRACT.........................................................II 目 录..........................................................III 引 言 ...........................................................1 一、我国中小企业融资现状..........................................2 （一）融资途径不畅通............................................2 （二）融资结构不合理............................................2 （三）融资成本较高..............................................2 二、我国中小企业融资难原因分析....................................3 （一）中小企业自身“先天不足”是融资难的根本....................3 1、中小企业产品附加值低，企业风险大...........................3 2、企业内部治理结构上存在较大问题.............................3 3、企业管理混乱，财务不规范...................................3 4、信用不佳...................................................3 5.企业缺乏信用担保............................................4 （二）我国金融市场的不完善成为融资难的关键......................4 1、银行与企业之间信