中小企业融资问题研究-以扬子电力科技有限公司为例摘要随着中国经济的不断增长,我国中小企业蓬勃发展,在国民经济中占有越来越重要的地位。但我国中小企业死亡率相当高,这当中有各种各样的原因,融资结构不合理便是其中之一。本世纪以来,我国政府开始重视中小企业的发展,理论和实务界都开始关注中小企业融资难的问题,本文指出我国中小企业在调整融资结构时选择的优化目标首先是企业的成长,因为在中小企业的高死亡率下,不成长就意味着死亡。本文分析中小企业融资结构优化的研究具有重要的理论意义。其次,成长性是中小企业融资结构是否合理直接而有效的反应,合理的融资结构必然与中小企业的持续健康发展相联系。本文的研究选题又具有时代紧迫性及重要的现实意义。行业因素对中小企业的融资结构产生了显著影响,而中小企业的所有权性质并没有对融资结构产生显著影响。最后,本文提出有利于实现我国中小企业持续成长的融资结构政策建议,包括信用评级、银行改造、直接融资、公司治理、市场环境等方面。从理论上讲,这将有助于弥补国内外在该研究领域的不足,完善和发展中小企业成长理论及融资结构理论;在实践方面,这将有助于制定出完善我国中小企业融资结构优化的有效政策措施,促进我国中小企业更高、更快、更好的成长.关键词：中小企业风险控制融资结构优化AbstractWithChina'srapideconomicgrowth,China'svigorousdevelopmentofSMEs,inthenationaleconomyplaysamoreandmoreimportantrole.Butourcountrysmallandmedium-sizedenterprisemortalityrateisfairlyhigh,thereareavarietyofreasons,theunreasonablefinancingstructureisoneofthem.Sincethebeginningofthiscentury,Chinesegovernmentstartedtoattachimportancetothedevelopmentofsmallandmedium-sizedenterprises,thetheoreticalcirclesandpracticalcircleshavebeguntopayattentiontotheproblemoffinancingSMEs,thispaperpointsoutthatChina'ssmallandmediumenterprisesinfinancingstructureadjustmentoptimizationgoalofthefirstisthegrowthofenterprises,becauseinthesmallandmedium-sizedenterprisehighmortality,don'tgrowmeansdeath.Thispaperanalysesthefinancingofsmallandmedium-sizedenterprisestooptimizethestructureoftheresearchhasimportanttheoreticalsignificance.Secondly,thegrowthisthesmallandmedium-sizedenterprisefinancingstructurewhetherreasonableandeffectiveresponse,reasonablefinancingstructureisinevitablewiththesustainedandhealthydevelopmentofSMEslinked.Thisresearchalsohasthetimeurgencyandpracticalsignificance.Industryfactorstothesmallandmedium-sizedenterprisefinancingstructurehassignificantinfluence,butthesmallandmedium-sizedenterpriseownershipnaturedidnothaveasignificantimpactonthefinancingstructure.Finally,thispaperputsforwardtorealizeourcountrysmallandmedium-sizedenterprisesustainablegrowthfinancingstructurepolicyrecommendations,includingcreditrating,bankreform,d