中国地质大学长城学院本科毕业论文题目我国中小企业融资困难的原因分析与对策院别经济学院专业会计学学生姓名王晶学号013131014指导教师张硕职称副教授2017年4月30日我国中小企业融资困难的原因分析与对策摘要无论在发达国家还是发展中国家，中小企业都是经济发展和社会稳定的重要支柱。它促进了经济的发展，改善了国民收入，转移了就业压力，提供了就业机会等。但由于中小企业自身规模有限，经营风险较大，财务管理能力方面短缺造成了其信用等级不高，筹资渠道不畅，融资成本和难度加大等问题，再加上政府对中小企业的扶持力度不够，资本市场不完善，金融机构体系存在缺陷，进而使得中小企业面临着融资难的突出问题。流动资金不足，从而无法满足中小企业日后的长远生存与发展的需要。本文通过对我国中小企业融资现状及融资困难的原因进行了全面的分析，提出了相应的解决对策，从而促进中小企业的可持续发展。关键词：中小企业；融资；经济；发展ABSTRACTSmallandmedium-sizedenterprisesareimportantpillarsofeconomicdevelopmentandsocialstability,bothindevelopedanddevelopingcountries.Itpromoteseconomicdevelopment,improvesnationalincome,transfersjobspressure,providesemploymentopportunities,andsoon.However,duetothelimitedsizeofsmallandmedium-sizedenterprises,thegreaterriskofoperation,theshortageoffinancialmanagementcapacitycausedbyitscreditratingisnothigh,poorfinancingchannels,financingcostsanddifficulttoincreasetheproblem,coupledwiththegovernmentsupportforsmallandmediumenterprisesItisnotenough,thecapitalmarketisimperfect,thefinancialinstitutionsystemisflawed,whichmakesthesmallandmedium-sizedenterprisesfacetheoutstandingproblemsoffinancingdifficulties,lackofliquidity,whichcannotmeettheneedsofsmallandmediumenterprisesinthefuturelong-termsurvivalanddevelopment.ThispapermakesacomprehensiveanalysisofthecurrentsituationoffinancingandthedifficultiesoffinancinginChina,andputsforwardthecorrespondingcountermeasurestopromotethesustainabledevelopmentofsmallandmedium-sizedenterprises.Keywords：smallandmedium;enterprises;financing;economy;development目录TOC\o"1-3"\h\z\uHYPERLINK\l"_Toc482982765"1前言PAGEREF_Toc482982765\h1HYPERLINK\l"_Toc482982766"2中小企业融资相关的理论概述PAGEREF_Toc482982766\h1HYPERLINK\l"_Toc482982767"2.1中小企业在经济发展中的作用PAGEREF_Toc482982767\h1HYPERLINK\l"_Toc482982768"2.2融资的概述PAGEREF_Toc482982768\h2HYPERLINK\l"_Toc482982769"3我国中小企业融资存在的问题PAGEREF_Toc482982769\h3HYPERLINK\l"_Toc482982770"3.1中小企业融资问题内在分析PAGEREF_Toc482982770\h4HYPERLIN