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摘要：中小企业的融资问题是一个世界性的难题，中小企业的融资具有融资需求大，融资方式杂乱，融资渠道不通畅，融资结构不合理，政策管理不规范等问题存在，中小企业为社会创造的价值与其获得的金融资源不匹配。能够提供金融服务的金融机构十分有限，金融服务的供应不足导致了一系列中小企业融资问题的产生。因此，解决中小企业的融资问题成为了当下各国面临的首要难题。本文从企业自身，金融环境，政策原因等角度分析了中小企业融资问题的产生，对中小企业融资的现状进行了系统分析和研究，并提出了合理意见和建议。止于此，未来的发展趋势应该趋向于形成一套针对中小企业发展问题的理论体系，政府，银行，企业自身应该“三管齐下”，才能真正从源头上解决中小企业融资这一复杂问题。22654
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毕业论文关键词：中小企业；融资；现状；产生原因；对策
Research on the financing problem of small and medium-sized enterprises of our country
Abstract：The financing problem of SMEs is a worldwide problem, the financing of small and medium-sized enterprises have financing demand, financing the messy, unsmooth financing channel, the financing structure is unreasonable, the problems of policy management is not standardized, the small and medium-sized enterprise to create social value to the financial resources do not match. Financial institutions to provide financial services is very limited, financial services supply shortage led to produce a series of medium-sized and small enterprises financing problem. Therefore, to solve the financing problems of SMEs has become the primary problem faced by all countries at present. This paper from the enterprises themselves, financial environment, policy reasons analysis of the financing problem of small and medium-sized enterprises, has carried on the system analysis and research situation of the financing of small and medium enterprises, and put forward reasonable
opinions and suggestions. To this, the development trend of the future should tend to form a set of problems of small and medium sized enterprises development theory system, government, bank, enterprise itself should be "three pronged approach", can we truly from the source to solve complex problems that the financing of small and medium enterprises.
KeyWords：medium-sized and small enterprises；financing；present situation；cause of formation；the way to deal with a situation
目 录
引言 1
一、我国中小企业融资方式概述2
（一）中小企业融资概念2
（二）中小企业融资方式2
1、银行贷款2
2、综合授信2
3、信用担保贷款2
4、票据贴现3
5、典当租赁3
6、金融租赁3
二、中小企业融资现状4
（一）我国中小企业融资现状4
（二）中小企业融资困境的表现5
1、企业自身的内部融资资源短缺5
2、金融机构对中小企业的借贷能力不足5
3、中小企业在市场体制中的弱势6
4、融资成本较高6
三、我国中小企业融资困难成因分析7
（一）金融体系因素7
1、银行对中小企业融资的影响7
2、缺乏专门为中小企业服务的金融机构8
（二）企业自身因素8
1、中小企业信用缺失，征信系统不完善8
2、信用担保等中介机构支持中小企业融资服务滞后8
3、企业自身问题8
4、缺乏统一的中小企业管理机构体系9
（三）政府政策因素9
1、缺乏完善的中小企业融资政策与法律保障体系129
2、乏完善的法律法规的支持保障9
3、信用担保制度不健全10
（四）案例分析10四、解决我国中小企业融资问题的一点建议11
（一）金融体系方面11