摘要: 随着经济全球化以及我国经济的快速发展，中小企业也得到了突飞猛进的进步，其所起的促进作用是不可忽视的，在我国，中小企业成长不仅使我们的国民经济有了很大的提高，而且还解决就业问题，对我国社会稳定、国家长治久安作出了巨大的贡献。然而，由于我国中小企业规模小，缺乏资金，并有我国也没有很好的扶持政策，使得其融资问题一直是困扰中小企业进一步发展的主要问题之一是，在很大程度上制约了中国经济的快速发展。因此，解决中国中小企业融资问题，是中小企业的健康发展是首要任务，也是进一步提高中国国际竞争力的关键。
本文主要介绍了中小企业的现状，并指出了我国中小企业融资难的问题，并最终结合中国中小企业的融资现状，提出了相应的对策和建议，希望以此来改善中国中小企业的融资环境的优化具有一定的指导作用。
关键词：经济 政策 融资 指导
Abstract: With the economic globalization and China’s rapid economic development, small and medium-sized enterprises are also make a spurt of progress of progress, its role can not be ignored, to our country, the growth of small and medium enterprises not only make our national economy has been greatly improved, but also solve many of China’s population and employment problem, for the stability of our country social stability, national long period of stability has made tremendous contributions. However, because our country small and medium-sized enterprise scale is small, lack of funds, and the country has no better give aid to policy, make its financing problem is always to perplex the further development of SMEs is one of the main problems, largely restricted the rapid development of economy in china. So the solution of China small and medium enterprise financing problem of small and medium-sized enterprises healthy development is the primary task, but also further improve the international competitiveness of China’s key.
This paper firstly introduces the present situation of small and medium-sized enterprises, and to find out of the small and medium-sized enterprise financing the cause of the problem, and eventually combined with Chinese small and medium-sized enterprise financing present situation, proposed the corresponding countermeasure and the suggestion, make to improve Chinese small and medium-sized enterprise financing environment optimization is of certain guidance
Key words: economic policy financing guidance
目 录
1 我国中小企业融资现状…………………………………………. 4
2 我国中小企业融资难的原因分析………………………………….. 5
2.1 企业自身原因……………………………………………. 6
2.1.1 客观上中小企业有许多弱点，增加了融资难度……………… 6
2.1.2 主观上中小企业没有完善的信用体系是造成其融资难的重要原因.. 6
2.2 国家原因……………………………………………….. 6
2.3 商业银行原因……………………………………………. 7
3 解决我国中小企业融资难的办法………………………………….. 7
3.1 尽快建立适合中国国情的中小企业法律体系…………………….. 7
3.2 大力发展与中小企业相匹配的中小金融机构…………………….. 8
3.2.1 我国十二五计划给予的政策扶持………………………… 8
3.2.2 建立起多渠道的信用担保制度及机构…………………….. 8
3.3 建立多层次资本市场，完善中小企业直接融资体系……………….. 8
3.3.1 发展专门为中小企业融资服务的金融机构…………………. 9
3.3.2 努力拓展融资渠道，开辟融资新方式…………………….. 9
3.4 完善中小企业信用担保机制…………………………………. 9
3.5 借鉴国外的成功经验……………………………………… 10
