2.3银行提供的金融服务单一…………………………………. 3
2.4电子商务企业信用担保体系发展滞后………………………… 4
3 我国电子商务企业的融资障碍分析……………………….. 4
3.1 企业自身原因………………………………………….. 4
3.1.1 客观上电子商务企业有许多弱点，增加了融资难度…………….. 4
4 我国电子商务企业的融资策略探讨……………………….. 7
4.1尽快建立适合中国国情的电子商务企业法律体系……………….. 7
4.2 大力发展与电子商务企业相匹配的中小金融机构……………….. 7
4.3 完善电子商务企业信用担保机制……………………………. 8
4.4 借鉴国外的成功经验…………………………………….. 9
在我国，改革开放以来，特别是90年代以来，我国的电子商务企业取得了迅速的发展，在活跃市场经济、创造就业机会、满足社会需求等方面，发挥着越来越重要的作用。近些年来，虽然各项扶持和优惠政策已逐步出台和实施，电子商务企业的生存和发展环境有所改善。但是，电子商务企业在筹资融资和贷款担保方面的问题依然存在，这成为制约电子商务企业快速健康发展的瓶颈。本论文首先介绍了电子商务企业的现状，并找出我国电子商务企业融资难问题的原因，并最终结合中国电子商务企业的融资现状，提出了相应的对策和建议，希望以此来改善中国电子商务企业的融资环境的优化具有一定的指导作用。
关键词：电子商务企业；融资障碍；融资策略
Funding issue is a key factor in business success. Starting from the supply and demand of funds to understand China’s e-commerce businesses of financing options and their characteristics, summarized on this basis, e-commerce businesses in China were in the following capital supply and demand situation, the high demand for cash reserve, the relative lack of effective capital supply, the large gap of capital supply and demand, leading to the necessity for financing. 我The third part of the paper focused on banks financing obstacles, risk investment barriers, bond financing obstacles, listing financing obstacles and the reasons for these barriers. 针对我Financing strategies had been discussed from financial package，opportunity, the choice of financial intermediaries and cost in the forth part of the paper, furthermore, proposing the financing strategies mainly from our e-business of the life cycle.
Keywords：E-commerce business, Financing obstacles,, Financing strategy
