目 录
目录 ………………………………………………………………………………………… 1
摘要（含关键词） ………………………………………………………………………… 2
1 前言…………………………………………………………………………………………3
2 我国中小企业概述…………………………………………………………………………4
2.1 中小企业相关概念………………………………………………………………… 4
2.2 发展中国中小企业的意义………………………………………………………… 4
3 我国中小企业融资渠道探究………………………………………………………………5
3.1 中小企业融资渠道现状…………………………………………………………… 5
3.2 中小企业的主要融资渠道………………………………………………………… 5
4 中小企业融资存在的风险分析……………………………………………………………7
4.1 信用评级低，获得银行贷款量很小……………………………………………… 7
4.2 中小板上市门槛高………………………………………………………………… 7
4.3 企业资金运用不当导致融资风险………………………………………………… 7
4.4 国家对中小企业的支持不够……………………………………………………… 7
5 降低中小企业融资风险的对策………………………………………………………… 8
5.1 构建信用担保体系，解决中小企业担保难问题…………………………………… 8
5.2 完善金融市场，改善金融服务……………………………………………………… 8
5.3 加强中小企业自身建设，提高企业的荣誉度和市场竞争力……………………… 8
5.4 大力发展民营金融………………………………………………………………… 9
5.5 企业应提高风险防范意识………………………………………………………… 9
6 结束语…………………………………………………………………………………… 10
参考文献 ……………………………………………………………………………………11
致 谢………………………………………………………………………………………12
我国中小企业融资渠道及其风险探讨
摘要
改革开放三十余年，中国经济发展取得了令世人瞩目的成就，诞生了一大批富有活力的中小型企业。中小型企业在我国经济发展中有着不可替代的地位本文从中小企业发展相关的各种问题中，融资问题是首要问题，一方面，中小企业能否获得生存和发展所急需的资金将直接影响其投资、研发和经营业绩及最终的成败，乃至我国经济发展的可持续性；另一方面，中小企业融资难在世界各国普遍存在，在我国尤为严重。如何弥补中小企业资金需求与供给的缺口，是促进中小企业发展的关键。中小企业融资难，资金的可获得性低是综合性问题，受到投融资市场相关主体的各种制约，理论上可以用信息不对称和“双缺口”理论进行解释；现实中可以对中小企业本身、大中小型银行、风险投资基金、股权投资者、政府融资服务等各方行为进行分析。基于对理论原因和现实原因的探讨，总结归纳提出了适合我国国情的中小企业负债融资途径与对策，认为有针对性的完善我国债权负债融资市场、股权负债融资市场、中小企业本身、政府负债融资服务政策，构建全方位的中小企业负债融资体系，将是缓解中小企业负债融资难问题的有效途径。我国中小企业也在面临自己的难题。本文就我国中小企业融资问题进行讨论，分析其融资渠道，还有风险检测，并且针对这些风险提出对策。
关键词：中小企业，融资渠道，风险，对策，存在问题
ABSTRACT
More than 30 years of reform and opening up, China’s economic development has obtained the accomplishments that have astonished the world, the birth of a large number of dynamic small and medium enterprises. Small and medium-sized enterprise in China’s economic development has an irreplaceable position in this paper, from the small business development related problems, the financing problem is the primary problem, on the one hand, the small and medium-sized enterprises can obtain the survival and development of much-needed funds will directly affect the investment, research and development and the operating performance and the final success or failure, and the sustainability of economic development in China; On the other hand, the small and medium-sized enterprise financing difficult is common in countries around the world, particularly serious in our country. How to make up for the small and medium-sized enterprise capital demand and supply gap, is the key to promote the development of small and medium-sized enterprises. Small and medium-sized enterprise financing difficulties, low availability of funds is a comprehensive problem, by investing and financing market restrictions and related subject theory with asymmetric information and the \”double gap\” theory to explain; Reality can sme itself, big small and medium-sized Banks, venture capital funds, equity investors, government financing services such as the conduct of parties are analyzed. Based on the discussion of theory and reality reasons, summarized and put forward the suitable for China’s national conditions of small and medium-sized enterprise debt financing ways and countermeasures, think targeted to perfect our creditor’s rights debt financing and equity financing market, small and medium-sized enterprise itself, government debt financing policy, build a comprehensive range of small and medium-sized enterprise debt financing system, will be an effective way to ease the small and medium-sized enterprise financing difficult problem. the our country small and medium-sized enterprise financing problems, analyzes its financing channel, and detection risk, and proposes the countermeasure against these risks.
Key words: small and medium-sized enterprises, the financing channels, risk, countermeasure, there is a problem
