摘要

微小企业在国民经济发展中发挥了重要作用，例如促进就业、繁荣经济、推动创新等方面。但微小企业融资问题一直是制约其发展的“瓶颈”。这需要创新微小企业融资模式来解决其融资难问题。本文首先介绍了微小企业融资的相关概念与理论，包括微小企业概念与界定，微小企业融资方式；然后，对我国微小企业融资的现状进行分析；接着从国家、企业等角度分析了造成微小企业融资难的原因；再次，为缓解微小企业融资难问题，笔者提出了创新的微小企业融资方式——微小企业信贷融资模式。最后笔者提出了微小企业信贷融资的发展建议与措施。

关键词:微小企业；融资方式；信贷融资方式创新

Abstract

Small and medium-sized enterprises in the national economic development plays an important role, such as promoting employment economic prosperity to promote the innovation of small and medium-sized enterprise financing problems have been but is that limit the development of the bottleneck it will require innovative financing model to solve the difficulty in financing this paper firstly introduces the financing of small and medium enterprises related concepts and theories, including small and medium-sized enterprise concept and definition, small and medium-sized enterprise financing way; And then, on the financing of small and medium enterprises in China are analyzed; Then from countries such as enterprise to analyze the cause of the financing difficulty reasons; Again, in order to alleviate the financing difficulty problems, the author puts forward the innovation of small and medium-sized enterprise financing way small and medium-sized enterprise credit financing pattern finally the author puts forward the development of small and medium-sized enterprise credit financing and measures

Keywords: Small and medium-sized enterprises; the financing way; Credit financing mode innovation