摘要：我国中小型企业具有适应经济、市场变化能力强、市场份额占有量大的特征。在推动科学技术革新、增加社会岗位需求，减小就业压力和增加经济市场活力方面有着不可或缺的作用。但是中小型企业资金融通困难是近年来制约我国中小型企业发展壮大的最主要因素。造成当下我国中小型企业资金融通困难的原因是多方面的，但大致可以概括为主观因素和客观环境因素两大方面。主观方面：我国大多数中小型企业采用家族式管理模式，不能够吸收先进的经营理念和管理思想，导致产生了经营不善、管理方式落后等先天不足；客观方面：金融领域资金融资通道有限、各商业银行嫌贫爱富都是严重制约我国中小型企业获得资金的瓶颈。然而我国中小型企业在我国国民经济中的地位非常重要，占我国GDP总量的60%以上，而占用的经济资源却非常少。所以如何改变现有资源配置的不平等，使中小型企业的资金融通渠道更加宽广，不断完善我国金融体系建设是目前社会主义市场经济体制改革急需解决的问题。24273
毕业论文关键词：中小企业；融资；融资渠道；金融体系
Current Situation and Countermeasures of SME financing
Abstract：China’s small and medium-sized enterprises have to adapt to the capacity of the economy, changes in the market, market prospects and the market share of the possession of a large quantity of characteristics. Has an indispensable role in promoting scientific and technological innovation, and increased demand for social positions, reducing the pressure on employment and enhance the economic vitality of the market. Financing difficulties of small and medium-sized enterprises, is the most important factor restricting the development and growth of small and medium-sized enterprises in China in recent years. The moment of China’s small and medium enterprises financing difficulties for many reasons, but can be roughly summed up as the two major aspects of the subjective factors and medium-sized enterprises in China with a family management thinking, resulting in poor management, and backward management congenitally deficient; objective: the limited channels of financial intermediation in the financial sector, the commercial the bank despise the poor and curry favour with the rich are serious constraints to the bottleneck of China’s small and medium-sized enterprises to obtain funds. However, small and medium-sized enterprises in the field of China’s total GDP, while only 20% of its economic resources occupied. So how to change the configuration of existing resources inequality the broader SME financing change the constantly improve the construction of China’s financial system is the current reform of the system of socialist market economy, the urgent need to address the problem.
Key words：SMEs; financing; Financing drainage; Financial system
目录
引言    1
一、中小企业相关的理论基础    3
（一）中小企业相关的理论概念    3
1、中小企业的界定    3
2、中小型企业融资的概念    4
3、中小企业的发展特点    4
（二）中小型企业融资的分类    4
二、中小企业融资现状    6
（一）我国中小型企业融资的现状    6
1、管理模式传统，融资知识少    6
2、中小型企业资金普遍缺口，需求愿望大，用途明确    6
3、负债率低，融资方式单一    6
（二）我国中小型企业融资的困境    6
1、融资渠道单一，贷款门槛高    6
2、还款时间短，资金利用率低    7
3、银行贷款程序复杂，限制条件多    7 我国中小企业融资现状及对策探讨:http://www.youerw.com/kuaiji/lunwen_17709.html