摘要: 改革开放后，中国经济腾飞，中小企业发展势头迅猛，成为确保竞争机会均等化和合理分配经济资源的重要构成要素，已经成为推动我国社会主义市场经济高速良好运转的发动机。但是，制约和阻碍中小企业发展壮大的问因素依旧很多，尤其重要的是融资问题严重，融资困难已然成为制约中小企业发展壮大的“绊脚石”。如果不解决中小企业融资难，中小企业资金出现的不足，周转不灵，中小企业正常运行就会难以为继，机械设备更新、技术改革创新都会难以实现，本篇文章对中小企业融资困境进行深度剖析，寻求最佳的对策来解决融资困境难题,为中小企业的发展壮大打开思路。95045

毕业论文关键词:融资，金融风险,粮食加工业   

Abstract: after the reform and opening up, Chinese economic growth, small and medium-sized enterprises, the momentum of rapid development, become important factors to ensure the equalization of opportunities for competition and rational allocation of economic resources, has become the promotion of China's socialist market economy high speed good running engine。 However, there are still many factors that restrict and hinder the development of small and medium-sized enterprises, especially the serious problem of financing, which has become a stumbling block to the development of small and medium-sized enterprises"。 If you do not solve the financing difficulties of SMEs, lack of funds for SMEs, the liquidity of small and medium-sized enterprises will be difficult to continue normal operation, mechanical equipment renewal and technological innovation will be difficult to achieve, this article on the financing dilemma of small and medium enterprises in-depth analysis, to find the best solution to the financing difficulties of the problem, for the development of small and medium-sized enterprises expand open ideas。

Key words: small and medium-sized enterprises, financing, financial risk

目   录

1引言 3

2中小企业融资的目的意义 3

2。1中小企业融资的目的 3

2。 2中小企业融资的意义 3

3中小企业融资难的原因分析 3

3。1中小企业自身的原因 4

3。1。1中小企业经营风险大 4

3。1。2中小企业财务制度不健全 4

3。1。3缺乏可抵押资产，影响间接融资 4

3。2金融体系和金融机制因素 4

3。2。1银行信贷政策影响 4

3。2。2贷款手续复杂 5

4粮食加工业的融资问题 5

4。1粮食加工业的融资难原因 6

4。1。1粮食企业自身的原因 6

4。1。2粮食企业外在的原因 6

4。2粮食加工行业提供的经验 7

5 解决中小企业融资难的对策 7

5。1加大企业管理力度 7

5。1。1强化内部管理，健全各项管理制度 8

5。1。2加强财务制度建设，树立良好信用用观念 8

5。2优化金融机构贷款审批流程，构架金融体系