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"_Toc25610"1贵州中小企业融资风险的内容PAGEREF_Toc256103HYPERLINK\l"_Toc10852"PAGEREF_Toc108523HYPERLINK\l"_Toc11206"PAGEREF_Toc112063HYPERLINK\l"_Toc5824"2影响贵州中小企业融资风险大小的因素PAGEREF_Toc58243HYPERLINK\l"_Toc804"PAGEREF_Toc8043HYPERLINK\l"_Toc1518"PAGEREF_Toc15183HYPERLINK\l"_Toc30173"融资结构PAGEREF_Toc301734HYPERLINK\l"_Toc3225"PAGEREF_Toc32254HYPERLINK\l"_Toc26235"PAGEREF_Toc262354HYPERLINK\l"_Toc18821"PAGEREF_Toc188215HYPERLINK\l"_Toc11661"PAGEREF_Toc116615HYPERLINK\l"_Toc31859"PAGEREF_Toc318595HYPERLINK\l"_Toc30580"PAGEREF_Toc305805HYPERLINK\l"_Toc1347"PAGEREF_Toc13475HYPERLINK\l"_Toc32146"3贵州中小企业融资风险现状PAGEREF_Toc321465HYPERLINK\l"_Toc5349"PAGEREF_Toc53496HYPERLINK\l"_Toc24026"3.2中小企业内部管理、经营能力有待提高PAGEREF_Toc240266HYPERLINK\l"_Toc26397"3.3中小企业信用等级较低，平均寿命短，融资难PAGEREF_Toc263976HYPERLINK\l"_Toc11294"3.4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"_Toc21290"PAGEREF_Toc212906HYPERLINK\l"_Toc29323"PAGEREF_Toc293236HYPERLINK\l"_Toc12999"4关于贵州中小企业融资风险的建议PAGEREF