PAGE江苏经贸职业技术学院毕业论文题目：浅析中小企业融资困境及对策分析系（院）贸易经济系专业班级金融管理与实务（单）学号0901131138学生姓名李桂巧指导教师许震职称副教授指导教师职称2012年5月15日浅析中小企业融资困境及对策分析摘要：去年以来，央行连续上调存款准备金利率且每次上调幅度均为0.50%；银行纷纷缩减信贷规模，各中小企业普遍出现“钱荒”。而另一方面，面对CPI的节节攀升，很多老百姓又不愿将“闲钱”存入银行。与此同时，金融领域的一些体制障碍暴露出严重的结构性矛盾，一大批小企业陷入融资困境，在高利贷重压之下不堪重负，老板跑路事件频发，有媒体报道称：温州中小企业主“跑路”，鄂尔多斯企业主身亡，民间借贷相关的纠纷案件增加……多种迹象表明，在“游资猛虎”的无序窜动中，民间借贷现象开始日益增多。于是，民间借贷市场风险骤增。在长三角、珠三角之外的中西部地区，中小企业的“灰色融资”行为也并不罕见。“趋利避害，扬长避短，才是对待民间借贷应有的思路。规范化的民间借贷市场将在民间资本与中小企业间架起一座桥梁，这对于中小企业融资难问题的解决意义重大。关键词：民间借贷中小企业融资难解决途径AnalysisthefinancialdifficultiesofSME-sandsolutionAbstract:CentralBankoftheRepublicofChinahasraisedcontinuouslydepositreserverates，bankshavereducedsizeofcredit，theSMEShasappearedgenerally“wastemoney”sincelastyear.However,ontheotherhand,manypeopledidnotwishtodepositfreemoneytothebankbecauseoftheCPIclimbing.Inthefieldoffinancesystemalittleofobstacleexposedtheseriousstructuralcontradictions，alargenumberofsmallbusinessesfellintothesituationoffinancingdifficultiesatthemoment.Thebossranoutfromtheirhomesfrequentlyinusuryunderpressureoverwhelmingly.Accordingtothereport,Wenzhousmallandmedium-sizedbusinessowners“Runroad”,Ordosbusinessownersdied,folklendingrelateddisputesincreasedandsoonwhichhasshowedthatfolklendingphenomenonbegantoincreasein"hotmoneytiger"thereinthechaosofthemove.Asaresult,folklendingmarketincreasedrisk.Smallandmedium-sizedenterprise"grayfinancing"behaviorisnotrareintheYangtzeRiverdeltaandPearlRiverdelta,theoutsideoftheMidwest.“Thedisadvantages,fosterstrengthsandcircumventweaknesses”isagoodideatotreatfolklending.Forsmallandmedium-sizedenterprisefinancingtothesolutionoftheproblemisofgreatsignificance,especially,thestandardizationofthefolklendingmarketwillbeintheprivatecapitaltosmallandmediumenterprisesonthebridgebetween.Keywords:FolklendingSME-sfinancingdifficultiessolution目录TOC\o"1-3"\h\z\uHYPERLINK\l"_Toc325401589"一、融资与中小企业发展PAGEREF_Toc325401589\h1HYPERLINK\l"_Toc325401590"（一）企业融资活动的意义PAGE