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摘要：在中国特色市场经济的逐步发展成熟过程中，中小企业扮演着不可或缺的角色，特别是在增加市场竞争活力、提供就业岗位等方面有十分重要的作用。然而中小企业自己本身以及外部环境方面的部分局限性，使得中小企业面对着融资困难的难题。我国中小企业面临的问题种类繁多，并且问题与问题之间相互影响，在此同时，外部环境的不断变化，这加大了我国中小企业融资的困难程度。面对这些困境，全面解析中小企业融资困难所在，对国家经济平稳发展具有现实意义。49197
文章在理论研究基础上，从中小企业内部原因以及外部因素寻找答案。本文从多个方面提出系统化、全面化的建议。现在要解决中小企业融资困难问题也应该针对性的从多个方面着手。文章通过从商业机构、风险投资、政府三个主要融资策略着手，并给出具体建议。总体来看，解决中小企业融资困难的现状，需要企业自身、社会环境及政府政策多方面的工作。
毕业论文关键词：中小企业融资；信用；信息不对称；政府
Financing Strategies of SMEs
ABSTRACT： In the progressive development of a market economy with Chinese characteristics in the process of maturation, SMEs play an indispensable role, especially in the increasing market competition vigor. However, the limitations of SMEs part itself and the external environment, so that SMEs face difficulties in financing problems. Problems faced by a wide range of SMEs, and interaction between the problems and issues at the same time, the ever-changing external environment, which increased the degree of difficulty of SME financing. Faced with these difficulties, a comprehensive analysis of where financing difficulties of SMEs has practical significance for the stable development of the national economy is important.
In the article on the basis of theoretical research, using statistical methods, internal and external analysis of comparative analysis method, while corporate finance research, with the statistical analysis of the financing structure of SMEs to sort out, from internal factors and external factors of SMEs Looking for answers. From many aspects put forward systematic, comprehensive of recommendations. Now to solve the financing difficulties of SMEs should also be targeted to begin in many ways. The article from businesses, venture capital, the government started the three main financing strategy, and gives specific recommendations. Overall, solutions to SME financing difficulties of the situation, they need social and environmental aspects of the work of government policies.
Key Words: SME financing ；credit ；information asymmetry； government
目 录
摘要 -- 1
Abstract-Ⅱ
目录 --Ⅲ
一、中小企业概念及融资理论概述 - 1 -
（一）中小企业概述 - 1 -
（二）企业融资概念 - 3 -
二、我国中小企业融资类型及存在问题 - 4 -
（一）我国中小企业融资分类 - 4 -
（二）我国中小企业融资具体问题分析 - 5 -
三、 我国中小企业的融资策略方向 - 8 -
（一）商业银行信贷 - 8 -
（二）风险投资 - 9 -
（三）积极寻求政府支持 - 9 -
四、我国中小企业融资策略 - 10 -
（一）企业自身改进策略