摘要：中小型企业是推动国民经济发展，促进社会稳定的基础力量之一。它可以促进市场良性竞争、促进我国经济发展以及创造一定的劳动就业岗位等积极作用，是我国当今发展社会主义市场经济所不可或缺的一方面。但由于中小型企业规模小、管理水平有限、资本少等自身弊端以及国家宏观经济政策的不断变化影响等外部因素，使其在日益激烈的市场竞争中愈发举步维艰。这也导致人们对于中小企业有了一定的误解，认为其没有更多的发展价值空间，但事实并非如此。本文通过对案例公司-罗莱生活的融资情况的现状进行介绍，从而分析案例公司在融资过程中遇到的问题以及其相应的应对策略，旨在为家纺行业其他中小型企业的融资问题提供相应的借鉴。最终实现激发中小企业的生产活力，助其摆脱发展艰难的困境，转变滞后性，使其重焕新生，把中小型企业打造成为我国经济发展的新兴生力军。

关键词:中小型企业；家纺行业；融资

Financing difficulties and Countermeasures of small and medium sized enterprises—taking home textile industry as an example

Abstract：Small and medium-sized enterprises are one of the basic forces that promote the development of the national economy and promote social stability. It can promote positive competition in the market, promote China's economic development, and create a certain degree of labor employment. It is an indispensable aspect of China's development of a socialist market economy. However, due to external factors such as the small scale of small and medium-sized enterprises, their limited management, their own shortcomings such as low capital, and the ever-changing influence of the country’s macroeconomic policies, they have become increasingly difficult in increasingly fierce market competition. This also led people to have a certain misunderstanding of SMEs, that they do not have more room for development, but this is not the case. This article introduces the status quo of the financing situation of the case company- Luo Lai life, so as to analyze the problems encountered by the case companies in the financing process and their corresponding countermeasures, aiming to provide corresponding financing for other small and medium-sized enterprises in the home textile industry. Reference. The ultimate goal is to stimulate the production dynamism of small and medium-sized enterprises, help them get out of the hardships of development, change the lag, and rejuvenate them, making small and medium-sized enterprises an emerging force in China's economic development.

KeyWords: Small and medium enterprises; home textile industry; financing

目录

第一章导论 1

1.1 研究背景及意义 1

1.1.1研究背景 1

1.1.2研究意义 1

1.2研究内容与方法 2

1.2.1研究内容 2

1.2.2研究方法 2

1.3文献综述 2

1.3.1国外研究现状 3

1.3.2国内研究现状-7-

第二章家纺行业中小企业融资相关理论基础 9

2.1家纺行业中小企业理论概念 9

2.1.1家纺行业中小型企业的整体概述 9

2.1.2家纺行业中小型企业在国民经济中的重要性 9

2.2家纺行业中小型企业的整体融资现状