PAGE\*MERGEFORMAT12我国微小企业融资难的现状和应对策略研究摘要：微小企业在国民经济发展中发挥了重要作用，例如促进就业、繁荣经济、推动创新等方面。但微小企业融资问题一直是制约其发展的“瓶颈”。这需要创新微小企业融资模式来解决其融资难问题。本文首先介绍了微小企业融资的相关概念与理论，包括微小企业概念与界定，微小企业融资方式；然后，对我国微小企业融资的现状进行分析；接着从国家、企业等角度分析了造成微小企业融资难的原因；再次，为缓解微小企业融资难问题，提出了创新的微小企业融资方式——微小企业信贷融资模式。最后，提出了微小企业信贷融资的发展建议与措施。关键词：微小企业融资方式应对策略Abstract:Smallandmedium-sizedenterprisesinthenationaleconomicdevelopmentplaysanimportantrole,suchaspromotingemploymenteconomicprosperitytopromotetheinnovationofsmallandmedium-sizedenterprisefinancingproblemshavebeenbutisthatlimitthedevelopmentofthebottleneckitwillrequireinnovativefinancingmodeltosolvethedifficultyinfinancingthispaperfirstlyintroducesthefinancingofsmallandmediumenterprisesrelatedconceptsandtheories,includingsmallandmedium-sizedenterpriseconceptanddefinition,smallandmedium-sizedenterprisefinancingway;Andthen,onthefinancingofsmallandmediumenterprisesinChinaareanalyzed;Thenfromcountriessuchasenterprisetoanalyzethecauseofthefinancingdifficultyreasons;Again,inordertoalleviatethefinancingdifficultyproblems,theauthorputsforwardtheinnovationofsmallandmedium-sizedenterprisefinancingwaysmallandmedium-sizedenterprisecreditfinancingpatternfinallytheauthorputsforwardthedevelopmentofsmallandmedium-sizedenterprisecreditfinancingandmeasuresKeywords:Smallandmedium-sizedenterprises;thefinancingway;Creditfinancingmodeinnovation目录TOC\o"1-3"\h\z\uHYPERLINK\l"_Toc326921152"引言PAGEREF_Toc326921152\h3HYPERLINK\l"_Toc326921153"1.我国微小企业融资的特点PAGEREF_Toc326921153\h3HYPERLINK\l"_Toc326921154"1.1内部融资为微小企业的主要方式PAGEREF_Toc326921154\h3HYPERLINK\l"_Toc326921155"1.2外部融资困难PAGEREF_Toc326921155\h3HYPERLINK\l"_Toc326921156"1.3微小企业融资成本高PAGEREF_Toc326921156\h4HYPERLINK\l"_Toc326921157"1.4民间资本充足，但民间融资有待规范PAGEREF_Toc326921157\h4HYPERLINK\l"_Toc326921158"2.我国微小企业融资难的现状PAGEREF_Toc326921158\h4HYPERLINK\l"_Toc326921159"2.1表现在银行贷款方面PAGEREF_Toc326921159\h4HYPERLINK\l"_Toc326921160"2.2表现在直接融资方面PAGEREF_Toc326921160\h5HYP