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摘要：改革开放三十多年来，我国的经济水平有了飞速的提升。在以市场经济为主体的社会主义特色经济体制下，中小企业成为我国经济中不可或缺的经济组成部分。但是，中小企业融资难始终是个不可忽视的社会经济问题。本文从中小企业的定义，融资渠道，融资基本现状，结合实际案例，揭示出中小企业融资中包括了政府，金融机构，以及企业自身的缺陷所造成的融资难的原因。并从实际出发，客观地提出了应对中小企业自身信贷能力低下，政府应当完善相应的配套制度；金融机构应更加高效地提供信贷支持，加强金融创新，和中小企业对于自身控制融资风险，加强内部控制的方案。在对国外的融资模式的一些比较中，辩证地提出了既要借鉴西方先进的融资模式，又要从我国国情出发，结合实际，彻底地解决好中小企融资难的问题。4491
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关键词：中小企业；资本市场；融资方式
Corporate finance problems research based on the capital market——the perspective of small and medium-sized enterprises
Abstract: For over 30 years of reform and opening-up, the country's economic level has the rapid ascension. In market economy as the main body of socialist characteristic economy, small and medium-sized enterprises has became a part of indispensable economic of our country's economy, but financing difficulties of small and medium-sized enterprise always is a social and economic problems which cannot be ignored. This article from the definition of small business financing basic present situation, the financing channels, financing decisions, combined with the actual case, revealed in the financing of small and medium-sized enterprises including the government, financial institutions, as well as the enterprise itself defects caused by the reason of financing difficulties. And from set out actually, objectively put forward the response to small and medium-sized enterprise credit ability is low, the government should perfect corresponding supporting system; Financial institutions should be more efficient to provide credit support, strengthen financial innovation, and small and medium-sized enterprises in their control financing risks, strengthen internal control scheme. On foreign financing model, in some of the more dialectically puts forward to draw lessons from western advanced financing mode, and proceeding from China's national conditions, combined with the actual, thoroughly solve financing difficult question.
Keywords: medium-sized and small enterprises；capital market；financing mode
目 录
绪论1
一、中小企业融资概述2
（一）中小企业的界定3
（二）企业融资的概念3
（三）中小民营企业融资的主要方式5
二、中小民营企业融资的现状5
（一）融资渠道单一5
（二）融资成本代价高6
（三）金融机构信贷支持少6
三、中小民营企业融资难的成因分析 6
（一）企业存在的问题6
（二）金融机构自身因素导致融资困难7
（三）政府职能机构不健全7
四、国外融资模式对我国中小民营企业的启示及解决对策8
（一）国外企业融资现状 8
（二）国外融资模式对我国中小民营企业的启示及解决对策9
五、结论9
致 谢11
参考文献12
绪 论
截至2012年底，我国中小企业数己达到7100多万户，占全国企业总数的99.7%，中小企业创造的产品和服务的价值、出口额和税额分别占全国的58.5%、68.3%和50.2%，提供了城镇就业人口75%以上的就业机会并吸纳了大量农村劳动力，2012年7月30日国务院总理温家宝主持召开国务院常务会议，要求各地区及有关部门采取有效措施，落实鼓励民间投资相关政策，对企业反映的部分行业领域进入规则、标准和条件仍不够明确具体等问题，要抓紧研究解决。可见中小企业的健康发展对发展我国经济，构建和谐社会有着相当重要的作用和意义。