中国地质大学长城学院本科毕业论文题目中小企业融资问题及对策研究系别经济学院专业会计学学生姓名郭佳林学号013131520指导教师杨靖职称副教授2017年4月30日中小企业融资问题及对策研究摘要从1978年改革开放以来，我国的经济快速增长，中小企业的地位在我国经济发展迅速的情况下得到了进一步的提升。随着我国逐渐成长和完善的市场经济，激烈的竞争在中小企业中悄然展开，而资金则是一个企业赖以生存和发展的基础，中小企业只有在资金充足的情况下才能够正常的运转。所以，一个正确的、合适的融资方式对中小企业经济效益的提高有着重要意义，同时也对中小企业融资管理以及企业的生存和发展起着非常重要的作用。本文主要基于中小企业为例，首先分析其现状，然后分析融资困难的原因，最后对中小企业融资困难的问题提出了相应的对策。关键词：中小企业；融资；资金管理ABSTRACTFrom1978sincethereformandopeningup,China'srapideconomicgrowth,thestatusofsmallandmediumenterprisesintherapiddevelopmentofChina'seconomicsituationhasbeenfurtherimproved.WithChina'sgradualgrowthandimprovementofthemarketeconomy,thefiercecompetitionquietlyinsmallandmedium-sizedenterprises,andcapitalisthebasisforthesurvivalanddevelopmentofathesmallandmedium-sizedenterprisescannormaloperationonlyinthecaseofsufficientfunds.Therefore,acorrect,isofgreatsignificancetoimprovetheeconomicbenefitoftheproperwayoffinancingofsmallandmedium-sizedenterprises,butalsothefinancingmanagementofsmallandmedium-sizedenterprisesandthesurvivalanddevelopmentofenterprisesplayaveryimportantroleinthemain.Basedonsmallandmedium-sizedenterprises,forexample,thefirstanalysisofthestatusquo,andthenanalyzethecausesoffinancingdifficulties,andfinallythefinancingdifficultiesofsmallandmedium-sizedenterprisesputforwardthecorrespondingcountermeasuresKeywords:SmallandMedium-sizedenterprises;Financing;MoneymanagementTOC\o"1-3"\h\z\u目录HYPERLINK\l"_Toc481512348"1前言PAGEREF_Toc481512348\h1HYPERLINK\l"_Toc481512349"2中小企业融资现状及存在的问题PAGEREF_Toc481512349\h1HYPERLINK\l"_Toc481512350"2.1中小企业融资现状PAGEREF_Toc481512350\h1HYPERLINK\l"_Toc481512351"2.2中小企业融资存在的问题PAGEREF_Toc481512351\h2HYPERLINK\l"_Toc481512352"2.2.1内部融资不足PAGEREF_Toc481512352\h2HYPERLINK\l"_Toc481512353"2.2.2缺少宽阔的融资途径和渠道PAGEREF_Toc481512353\h2HYPERLINK\l"_Toc481512354"2.2.3相关法律制度不完善PAGEREF_Toc481512354\h3HYPERLINK\l"_Toc481512355"2.2.4中小企业融资成本较高PAGEREF_Toc481512355\h3HYPERLINK\l"_Toc481512356