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摘要：随着经济体制改革的深入，我国中小企业的发展问题引起人们越来越多的讨论和关注，一方面，中小企业的发展己经成为支撑我国经济持续增长的强大动力，甚至成为我国社会稳定的重要基础；另一方面，中小企业的进一步发展正陷入越来越严重的困境，特别是融资难的问题已经成为束缚中小企业发展的最大障碍。30824
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本文首先对企业融资作了概述，并分析了中小企业的发展现状。接着本文对中小企业融资难的现状及表现形式作了阐述，再对中小企业融资难的原因及对策作了详细的分析，最后提出了中小企业融资的发展趋势。通过分析研究中小企业融资难的深层原因，采用对应的策略。最后本文认为，为加强中小企业的融资能力，中小企业应该主动出击，按照市场规律，实现经营思想的转变，进行战略的调整，进而提高中小企业的融资能力。
毕业论文关键词：中小企业；融资难；原因；对策
Research on financing of small and medium sized-enterprises
With the deepening of the economic system is developing， the problem of Chinese MSES finance has aroused more and more discussion and great concern，on the one hand，the development of MSES has become motive force of national economic sustainable growth，even has become important foundation of society steady; on the other hand，the further development of MSES is more and more in embarrass，especially the problem of financing has become the most impediment to prevent small firm growth.
This paper provides an overview of corporate finance, and analyzes the development of SMEs. Next article manifestations of the current situation and SME financing elaborated further on the reasons and countermeasures SME financing made a detailed analysis. Finally, the development trend of SME financing.On the basis of analyzing and researching into more incentive reasons and the countermeasures，it is believed that in order to strengthen medium and small-sized enterprise take action actively. MSES Should change their ideas of business， adjusting the strategies in accordance with marketing law and thereby advances the capability of financing of small and medium sized- enterprises.
Key Words: Small and medium sized-enterprises; Difficult financing;Countermeasure;Cause
目录
引言 1
一、企业融资概念和意义 2
（一） 企业融资的概念 2
（二） 企业融资的意义 3
二、中小企业融资的现状及存在问题 4
（一） 中小企业融资现状 4
1. 银行贷款是主要融资来源 4
2. 直接融资逐渐成为新的融资渠道 4
3. 创业投资发挥着不可或缺的作用4
4. 私募债是未来融资发展方向 5
（二） 中小企业融资存在问题 6
1. 内源融资不足 7
2. 外源融资不足 8
三、中小企业融资难成因.8 （一）企业外部原因9
1. 银行准贷门槛高9
2. 融资成本高.9
3. 融资渠道狭窄.10
（二） 企业内部原因10