贵州省中小企业融资风险研究摘要：贵州中小企业对发展区域经济，提高就业率做出了重要贡献。然而在中小企业平均生命周期为2.5年的实情下，当地的中小企业面临融资难，风险大的尴尬局面。本文先后阐述了贵州中小企业融资风险的内容、影响其融资风险大小的因素，之后重点解剖了造成当地中小企业融资风险的现状，并在此基础上提出了关于解决这种尴尬的建议。关键词：中小企业融资风险对策FinancingRiskofSmallandMediumEnterprisesinGuizhouAbstract：smallandmediumenterprisesinguizhouHasmadeanoutstandingcontributiontoregionaleconomicdevelopmentandemploymentrate.But,underthecircumstancesthatSmallandMediumEnterpriseshaveameanlifetimeof2.5years.Theyhavetofaceawkwardcircumstancefulloftoughfinancingandhighrisk.ThepaperfirststatesthefinancingriskcontentofmediumenterprisesinGuizhou.Thenthepapertellstheinfluencefactoroffinancingrisklevel.Theemphasisisthereasonoffinancinghighrisk.Onthebaseofthese,ThepapergivessuggestionsofawkwardcircumstanceoftoughfinancingandhighriskKeywords:smallandmediumenterprises,financingrisk,countermeasure目录TOC\o"1-3"\h\uHYPERLINK\l_Toc256101贵州中小企业融资风险的内容PAGEREF_Toc256103HYPERLINK\l_Toc108521.1直接性融资风险PAGEREF_Toc108523HYPERLINK\l_Toc112061.2间接性融资风险PAGEREF_Toc112063HYPERLINK\l_Toc58242影响贵州中小企业融资风险大小的因素PAGEREF_Toc58243HYPERLINK\l_Toc8042.1内因PAGEREF_Toc8043HYPERLINK\l_Toc15182.1.1负债规模PAGEREF_Toc15183HYPERLINK\l_Toc301732.1.2融资结构PAGEREF_Toc301734HYPERLINK\l_Toc32252.1.3融资利率PAGEREF_Toc32254HYPERLINK\l_Toc262352.1.4负债期限结构PAGEREF_Toc262354HYPERLINK\l_Toc188212.1.5盈利能力PAGEREF_Toc188215HYPERLINK\l_Toc116612.2外因PAGEREF_Toc116615HYPERLINK\l_Toc318592.2.1坏账损失PAGEREF_Toc318595HYPERLINK\l_Toc305802.2.2金融市场PAGEREF_Toc305805HYPERLINK\l_Toc13472.2.3政策法规PAGEREF_Toc13475HYPERLINK\l_Toc321463贵州中小企业融资风险现状PAGEREF_Toc321465HYPERLINK\l_Toc53493.1负债期限结构选择不合理PAGEREF_Toc53496HYPERLINK\l_Toc240263.2中小企业内部管理、经营能力有待提高PAGEREF_Toc240266HYPERLINK\l_Toc263973.3中小企业信用等级较低，平均寿命短，融资难PAGEREF_Toc263976HYPERLINK\l_Toc112943.4直接融资门槛高，民间融资成本高，加大了中小企业融资风险PAGEREF_Toc112946HYPERLINK\l_Toc212903.5信息不对称导致的经济地位不平等PAGEREF_Toc212906HYP