摘要：近年來，隨著我國市場經(jīng)濟(jì)的不斷發(fā)展，中小企業(yè)也得到了迅速的發(fā)展。我國中小企業(yè)數(shù)量迅速增加,對于發(fā)展地方經(jīng)濟(jì)和增加財政收入等方面都發(fā)揮著重要的作用。但客觀來講，中小企業(yè)規(guī)模較小、技術(shù)裝備水平落后，底子薄、自有資本偏小等原因，導(dǎo)致中小企業(yè)的經(jīng)營風(fēng)險較大，抗風(fēng)險能力弱，以至于當(dāng)前中小企業(yè)“融資難”狀況仍未出現(xiàn)根本性改變。本文通過對我國目前中小企業(yè)融資現(xiàn)狀和融資困難的分析，探尋中小企業(yè)融資難問題的解決途徑，為我國政府解決中小企業(yè)發(fā)展問題提供科學(xué)依據(jù)和可操作性對策，為我國中小企業(yè)經(jīng)營者提供一系列理論與實踐相結(jié)合的新思路和新方法，具有重要的現(xiàn)實意義。

關(guān)鍵字：中小企業(yè)；融資現(xiàn)狀；融資渠道 　

[Abstract] Recently, with the developing of the market economy in China. especially the medium-sized and small enterprises . The number of China's small and medium-sized enterprises increased rapidly, increasing play an important role in the fiscal revenue for the local economy and the development of. But objectively speaking, technology and equipment level of small and medium-sized enterprises small scale, backward, weak economic foundation, private capital is small and other reasons, led to the small and medium-sized enterprise business risk, weak ability to resist risks, so that the small and medium-sized enterprises "financing difficult " situation has not fundamentally changed. In this paper, through the analysis of the present situation and the financing of small and medium-sized enterprises financing difficulties, explore solutions to the difficult problem of financing of small and medium-sized enterprises, and provide a scientific basis for operational countermeasure for Chinese government to solve the problem of the small and medium-sized enterprise development, new ideas and new methods to provide a series of combination of theory and Practice for the operators of small and medium-sized enterprises in China, has the important practical significance.
[Key words]　　Minor enterprises；Financing status；Financing channel

目  錄

摘要………………………………………………………………………I
Abstract ……………………………………………………………II
引言………………………………………………………………………7
1 國內(nèi)外研究文獻(xiàn)綜述…………………………………………………7
1.1國外研究文獻(xiàn)綜述…………………………………………………7
1.2國內(nèi)研究文獻(xiàn)綜述…………………………………………………7
2 中小企業(yè)及融資渠道的認(rèn)識…………………………………………8
2.1中小企業(yè)的定義……………………………………………………8
2.2融資渠道的分類……………………………………………………8
3 中小企業(yè)的融資現(xiàn)狀…………………………………………………8
3.1內(nèi)源融資不足………………………………………………………9
3.2融資成本較高………………………………………………………9
3.3融資渠道狹窄………………………………………………………9
3.4銀行貸款難…………………………………………………………9
3.5民間融資盛行………………………………………………………9
3.6容易受外部環(huán)境的沖擊……………………………………………9
4 中小企業(yè)融資困難的分析…………………………………………9
4.1內(nèi)部環(huán)境分析………………………………………………………10
4.1.1管理能力差，風(fēng)險意識弱…………………………………10
4.1.2財務(wù)管理不規(guī)范……………………………………………10
4.1.3信用觀念不足………………………………………………10
4.2 外部環(huán)境分析……………………………………………………10
4.2.1國有大銀行對中小企業(yè)無暇顧及…………………………10
4.2.2銀行提供的金融服務(wù)品種單一……………………………10
4.2.3中小企業(yè)信用擔(dān)保體系落后………………………………10
4.2.4缺少政府支持…………………………………………………10
4.2.5缺少法律保護(hù)…………………………………………………11
5 拓寬中小企業(yè)融資渠道……………………………………………11
5.1中小企業(yè)融資的主要渠道…………………………………………11
5.1.1外部融資渠道……………………………………………………11
5.1.2內(nèi)部融資渠道……………………………………………………11
5.2拓寬中小企業(yè)的融資渠道……