中小企业银行贷款融资策略分析.docx

PAGE 13 中小企业银行贷款融资策略分析 摘 要 随着我国金融市场的发展，中小企业逐渐成为我国市场经济的主力军，对促进我国经济发展发挥着重要的作用。与大企业相比，因中小企业自身硬性条件较差，地位较低，政府帮扶政策少，融资困难这一问题时时发生，企业的发展还是受到了很大的阻碍。银行贷款至今为止，依然是中小企业在贷款时的优选项，所以在现在的经济环境下，要帮助中小企业渡过艰难的日子，在银行贷款融资策略上不仅需要从企业内部加强自身实力，拓宽融资渠道，与银行建立良好的合作关系，还需要政府的大力扶持，制定完善相应的法律法规，通过开展多元化的路径给予中小企业融资方面的帮助，为我国经济的发展创造更多可能。 关键词：中小企业；银行贷款；融资困难；融资策略 Analysis on Financing Strategies of Bank Loans for Small and Medium-sized Enterprises Abstract With the development of Chinas financial market, small and medium-sized enterprises have gradually become the main force of Chinas market economy, which plays an important role in promoting Chinas economic development. Compared with large enterprises, the development of small and medium-sized enterprises is still greatly hindered because of their poor rigid conditions, low status, few government support policies and financing difficulties. So far, bank loan is still the best choice for small and medium-sized enterprises in the process of loan, so in the current economic environment, to help small and medium-sized enterprises survive the difficult days, in terms of bank loan financing strategy, it is not only necessary to strengthen their own strength from within the enterprise, broaden financing channels, establish a good cooperative relationship with the bank, but also need the strong support of the government, formulate and improve the corresponding Laws and regulations, through the development of diversified path to help SMEs financing, to create more possibilities for the development of Chinas economy. Key word：Small and medium-sized enterprises; Bank loan; Financing difficulties; Financing strategy 目 录 TOC \o 1-3 \h \z \u 摘 要 I Abstract II 一、绪 论 1 （一）研究背景 1 （二）研究意义 1 （三）研究的方法 1 二、文献综述 1 三、中小企业及其融资现状 2 （一）中小企业概念 2 （二）中小企业划分 2 （三）中小企业融资现状 3 1. 中小企业融资途径不畅通 3 2. 中小企业融资成本较高 3 四、中小企业融资从银行融资的各类方式以及融资的要求 4 （一）融资的各类方式 4 1. 流动资金贷款 4 2. 项目开发融资 4 3. 票据结算融资 4 4. 权利质押融资 4 （二）融资的要求 4 1. 申请条件 4