广东白云学院PAGE9关于中小企业融资情况的调研报告—以顺驰不动产企业为例摘要：在当前中国经济银根紧缩的情况下，中小企业融资困难，严重的制约了自身的发展。该论文通过分析当前中小企业的融资现状，分析了融资困难的原因，并提出解决对策，以促进我国中小企业的可持续发展。对此，国家和社会对中小型企业发展高度关注。当前中小企业生产经营总体平稳，但仍面临成本上升、融资成本高等诸多挑战。中小企业当前面临的经营和融资上的困境，既有企业和产业发展自身的原因，也有外部政策环境的因素，因此，须内外兼修破解当前中小企业困局。在此，以顺驰不动产企业为例，简单论述企业融资的情况。房地产企业能否获得资金保障，是否具备科学的资金结构与融资渠道，对房地产项目的顺利运行、房地产企业的健康发展具有重要意义。房地产企业的发展离不开资金支持，因此对金融业依赖性较强。关键词:中小型企业、融资、顺驰不动产、建议、困境英文摘要：InthecaseofthecurrenteconomicandmonetarytighteninginChina,SMEs'financingdifficulties,seriousconstraintstothedevelopment.ThepaperbyanalyzingthecurrentstatusoffinancingforSMEs,analyzingthereasonsforthedifficultiesoffinancing,andputforwardcountermeasures,inordertopromotethesustainabledevelopmentofSMEsinChina.Inthisregard,thestateandsocietyonthedevelopmentofSMEsattention.ProductionandmanagementofSMEsweregenerallysteady,butstillfacerisingcosts,financingcostsofthechallenges.SMEscurrentlyfacingthebusinessandfinancingdifficulties,bothenterprisesandindustriestodeveloptheirownreasons,butalsotheexternalpolicyenvironmentfactors,therefore,tobeinternallyandexternallytocracktheSMEdilemma.Inthisexample,simplediscourseofcorporatefinance,realestatecompanies.Realestatecompaniesabilitytoobtainfinancialsecurity,theavailabilityofscientificcapitalstructureandfinancingchannels,andthesmoothoperationoftherealestateprojects,realestateenterprisesofgreatsignificance.Thedevelopmentoftherealestatebusinesswithoutfinancialsupport,thestrongdependenceonthefinancialsector.目录TOC\o"1-3"\h\z\uHYPERLINK\l"_Toc319226569"摘要：PAGEREF_Toc319226569\h1HYPERLINK\l"_Toc319226570"关键词:PAGEREF_Toc319226570\h1HYPERLINK\l"_Toc319226571"英文摘要：PAGEREF_Toc319226571\h2HYPERLINK\l"_Toc319226572"1.中小型企业融资的现状PAGEREF_Toc319226572\h4HYPERLINK\l"_Toc319226573"1.1中小型企业融资的现状分析PAGEREF_Toc319226573\h4HYPERLINK\l"_Toc319226574"1.1.1信用缺失PAGEREF_Toc319226574\h4HYPERLINK\l"_Toc319226575"1.1.2获取贷款的难度较大PAGEREF_Toc319226575\h4HYPERLINK\l"