小微企业的贷款渠道的研究

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1、AbstractThefinancingproblemisaseriousproblemintheprocessofthedevelopmentofsmallandmicroenterprises，usuallybundledwithSMEfinancingchannelsforenterprises，butmedium．sizedenterprisesfinancingchannelsaremuchmorethanthesmallandmicroenterprises，theproblemis

2、alsoverydifferent：Chinahashugefundinggapinthesmallandmicroenterpriseswhilesmallandmicroenterprisesbelongtovulnerablegroupsinollrcountry’Seconomyandunderthevariousformsofdiscrimination．Evenifsmallandmicroenterprisesarewillingtobearthehilgherinterestra

3、tes。theyarealsodifficulttoobtainloansfromfinancialinstitutions．Mostoftheremainingfundinggapcanbemadeuponlythroughprivatelending．China'scommercialbanks，asamajorsupplieroffundsinthemarkettoday,hasbeeninanegativeattitudetoloanstosmallandmicroenterprises

4、．Thispaperfirstcomparesthefinancingchannelscurrentlyexistinthemarketforavarietyofsmallandmicroenterprises，thenanalysesandcomparesthevariousfinancingmethodsandtheapplicabilityofsmallandmicroenterprises．Thenitmakesfurtheranalysisandresearchforthefinanc

5、ingchannelthatshouldvigorouslydevelop．Finallyitprovidessomeadvices．Thefinancingdifficultyofsmallandmicroenterprisesisaglobaleconomicproblem，researchinthisareaisnottoomuch．Throughdiscussionwithseveralteachersandstudentsandresearchduringthewinterholida

6、y,ifeeltheimportanceofsolutiontothecurrentsmallandmicroenterprisesfinancingdilemma．ThispaperpresentssomeoftheVieWSandsuggestions，andihopetobeabletomakesomecontributioninthecontradictionbetweensupplyanddemandoffundsofsmallandmicroenterprisesinChina．Ke

7、ywords：smallandmicroenterprises，financingchannelresearch，smallloancompany目录第1章导论⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯l1．1背景与意义⋯⋯．⋯．．．．．．．⋯．．．．．．．．．⋯⋯⋯．⋯⋯⋯．．11。2研究内容与方法⋯．⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯21，2．1研究内容．⋯⋯．⋯⋯．⋯⋯．．．⋯⋯．．．⋯．．．⋯⋯⋯．⋯．．21．2．2研究方法．⋯⋯．．．．⋯．．．⋯⋯．⋯⋯．⋯⋯⋯⋯⋯．⋯．．．．21．3

8、研究思路与创新点⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯．．3第2章小微企业融资相关理论及研究综述⋯⋯⋯⋯⋯⋯．42．1小微企业概念的界定⋯．⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯．．42．2小微企业融资背景分析⋯⋯⋯⋯⋯．⋯⋯．⋯⋯⋯⋯⋯．．52．3小微企业融资文献综述⋯⋯⋯⋯⋯．⋯．⋯⋯⋯⋯⋯⋯．．72．3．1国外文献综述．⋯．⋯⋯．⋯⋯．⋯⋯．⋯⋯．⋯⋯⋯⋯⋯．．．72．3．2国内文献综述．⋯．⋯⋯，⋯⋯．．．．⋯．．．．⋯⋯⋯⋯．．．．⋯．．．8第3章小微企业融资现状及主要渠道比较⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯⋯93．1小