摘要
纵观世界各国经济发展，中小企业在各国经济发展中都是一支不可忽视的力量，中小企业既向社会提供了大量的产品、服务和劳动就业机会，同时也促进了社会经济的发展。
改革开放，特别是90年代以来，我国的私营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。私营经济已成为我国社会主义市场经济的重要组成部分，作为私营企业的中小企业自然也处于十分重要的地位。近些年来，虽然各项扶持和优惠政策已逐步出台和实施，中小企业的生存和发展环境有所改善。但是，中小企业在筹资融资和贷款担保方面的问题依然存在，这成为制约中小企业快速健康发展的瓶颈。对此，我国中小企业应该借鉴国外企业融资的对策，如要尽快建立适合中国国情的中小企业法律体、加快建设金融服务中介机构、建立多层次资本市场，完善中小企业直接融资体系以及完善中小企业信用担保机制等，以此来进一步解决中小企业融资难的问题。
关键词:中小企业；融资模式；借鉴
Of the small and medium-sized enterprise capital financing difficulties and countermeasures in this paper
Abstract
On the economic development of all countries in the world, and small and medium-sized enterprises in the economic development of all countries is a force that cannot be ignored, small and medium-sized enterprises to both social provided a lot of products, services and employment opportunities, but also promoted the development of social economy.
Reform and opening up, especially since the 90 s, the private enterprise in our country has made the rapid development, in the active market economy, create jobs, and satisfy the needs of society and so on, is playing a more and more important role. The private economy has become our country socialist market economy important component, as private enterprise of small and medium-sized enterprise nature also was in the very important position. In recent years, although the support and preferential policy has issued and implemented step by step, and small and medium-sized enterprise’s survival and development environment has been improved. But, small and medium-sized enterprises in financing financing and loan guarantee problems still exist, the smes constraints become the bottleneck of rapid and healthy development.To this, our country small and medium-sized enterprise should draw lessons from foreign enterprises financing measures, such as to establish suitable for China’s national conditions of the small and medium-sized enterprise law body, accelerate the construction of the financial intermediary services, establishment of a multi-level capital market, small and medium enterprises to improve direct financing system and improve the credit guarantee mechanism, in order to further solve the financing of small and medium-sized enterprises problem.
Key words: small and medium-sized enterprises; Financing mode; reference
目录
1.1 中小企业的概念和界定标准………………………………. 4
1.1.1 中小企业的概念…………………………………….. 4
1.1.2 中小企业界定标准…………………………………… 4
1.2中小企业融资模式的基本概念……………………………… 4
2.1我国中小企业融资资金构成……………………………….. 5
2.2 我国中小企业融资现状分析………………………………. 5
3 我国中小企业融资难的原因分析………………………………. 6
4 国外中小企业融资模式及其对我国的启示……………………….. 8
4.1 对国外中小企业融资现状的分析…………………………… 8
4.2 国外中小企业融资对中国的启示…………………………… 9
