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1、中小企业融资难金融是现代经济的核心，资金是企业发展的第一推动力和持续推动力，中小企业要想持续健康地发展同样也离不开资金的供应和支持。然而，现实问题是只能够小企业融投资在世界各国都备受歧视，始终处在不利地位，中小企业融资难是一个世界性的课题，即使在经济发展快、市场机制灵活、资本市场完善的西方发达国家，中小企业融资也同样面临着重重困难，在很大程度上依赖于政府的扶助与支持。在我国，由于中小企业起步晚，市场机制还不完善和不成熟，中小企业融资受到的种种限制比较多，融资渠道十分不畅。介于以上原因，我从宏观和微观两方面来阐述中小企业融资难问题并
2、提出解决的办法。微观角度又从企业自身原因、银行、担保、资本市场等角度来阐述；宏观角度是从政府角度来考虑。【关键词】 中小企业融资解决途径AbstractFinanceisthecoreofmoderneconomy,capitalisthefirstimpetustothedevelopmentofenterprisesandsustainedimpetustothesustainedandhealthySMEdevelopmentisalsoinseparablefromtheavailabilityoffundsandsupp
3、ort.However,therealproblemisthatsmallbusinessescanonlyfinancialinvestmentincountriesaroundtheworldaresubjecttodiscrimination,andalwaysinthedisadvantaged,theSMEfinancingdifficultyisaglobalissue,eveninthefasteconomicdevelopmentandflexiblemarketmechanism,improvethecapita
4、lmarketWesterndevelopedcountries,theSMEfinancingisalsofacedwithnumerousdifficulties,rgelydependentongovernmentassistanceandsupport.InChina,duetolatestartofSMEs,themarketmechanismisnotperfectandimmature,Esfinancingbythemorerestrictions,financingchannelsisverypoor.Betwe
5、entheabovereasons,Ihavebothmacro-andmicro-financingtoSMEsondifficultissuesandproposesolutions.Micro-enterprisesfromtheperspectiveoftheirownreasons,banking,security,11andthecapitalmarketperspective,andsoon;macroperspectivefromthepointofview.Keywords:smallandmediumenter
6、prises;financing;theirownreasonsforthesolution11目录摘要-------------------------------------------------------------1Abstract----------------------------------------------------------1一引言----------------------------------------------------------5㈠研究的问题-------------------
7、------------------------------5㈡中小企业融资难的现状---------------------------------------51融资渠道窄-----------------------------------------------52融资成本高----------------------------------------------5二中小企业融资难的原因分析---------------------------------------5㈠微观角度---------------------
8、------------------------------51企业自身原因---------------------------------------------52银行方面原因---------------------------------
