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1、我国小微企业融资方式案例分析摘要在当前经济增长放缓和结构转型的双重压力下,我国的小微企业群体的生存状态呈现出“一重三难”的特征,即“税费负担重;经营困难、招工困难、融资困难”,其中“融资困难”又被认为是长期以来制约小微企业发展的主要瓶颈之一。小企业融资难问题也是近几年金融界的热点问题。基于此,本文首先梳理了国内外小微企业的融资理论、小微企业融资难理论以及对小微企业的融资方式进行了综述。其次,本文梳理了小企业目前的发展现状,发现我国近几年小企业家数在增加,而发展指数却呈下降趋势。接着分析的小企业主要的融资渠道以及目前的融资现状,
2、一方面全国银行对小企业的资金支持逐年增加,另一方面小微企业的不良贷款率高于小企业。再次,本文对小微企业的主要融资方式进行了对比分析,结合小微企业自身特点,认为小微企业外部融资的最佳方式是银行贷款。最后,本文以一家手机的代理企业A通过应收账款质押担保融资为案例,分析了信用担保融资模式,为小企业融资创新提供借鉴。本文在总结全文的基础上,还对完善小企业融资提出了相关建议。关键词:小企业;融资方式;案例分析IAbstractUnderdoublepressuresofslowingeconomicgrowthandstructural
3、transformation,thelivingconditionsofsmallandmedium-sizedenterprisesinourcountryshowthecharacteristicsoftaxesandfeesburdenandmanagement,recruitment,financingdifficultiesThe"financingdifficulties"isconsideredasamajorbottleneckthatrestrictingthedevelopmentofsmallandmic
4、roenterprises.Difficultfinancingproblemofsmallandmedium-sizedenterpriseisahotprobleminthefinancialworldinrecentyearsFirstly,thearticleanalyzedthefinancingtheoriesaboutSMEsmallandmediumenterprisesbasedonthisenvironment.Butjustfoundfinancingtheoriesaboutenterprisesins
5、teadofSMESothisarticlewillendowTheStaticTrade-offTheory,PeckingOrdertheory,AgencytheoryandLifeCycletheorywiththesignificanceofSMESecondly,thisarticlehasdetectedthedevelopmentofSMEandfoundthattheamountsofSMEdecreased,however,thedevelopmentindexhasdeclined.Then,thecap
6、italfinancingandfinancialservicesforSMEhasbeentakenintoconsideration.WhatimpressedusisthattheLoanforSMEfromBankfinancingincreasedyearbyyear.Andthebad-loanratioaboutSMSmallandMicroismorethanSMEWhat’smore,thisarticleanalyzesthefinancingmethodsofSM,anddecidesthebestway
7、isfinancingfrombankFinally,basedonthecaseofmobileagentAfinancingbyaccountsreceivablepledgetoanalyzesthecreditguaranteefinancingmode,andprovidereferenceforsmallmedium-sizedenterprisefinancinginnovationThisarticlepresentedadvices,whichisrelatedwiththetheoryexplained,o
8、ndevelopingthefinancingforSMEKeywords:SmallandMedium-sizedEnterprises;FinancingMode;CaseStudyII目录摘要.IABSTRACTII目录III1.绪论11.1研究背景11.2研究目的及意
