摘要：本文主要研究目前我国中小企业融资状况。发现了几个问题。一是中小企业融资渠道狭窄，大部分企业还禁锢在传统融资的思维之中。二是融资结构不合理，从总量上看，有的企业并没有根据自己的实际经营能力制定融资策略，融资总量超过企业可负担量，有的企业为了救急选择了民间高利贷，而且占总融资数目很高，有的高利贷利率甚至超过了百分之五十，而本企业利润率并没有那么高，并且还要谨慎经营有很大可能还不上，这都会使企业陷入了融资沼泽之中。三是企业融资用途不当，资金没有注入到正确的地方，或者资金分配不合理，甚至没有用于生产经营。四是金融机构慎贷、惜贷，对中小企业设立了较高的门槛，迫使中小企业选择其他方式，客观上增加了融资难度和融资成本。五是坏企业账率高，一旦有上下游企业倒闭，应收账款不能收回，影响了整个产业链的资金链，这样就会发生在外资金成本变高，更严重的会导致产业链受损。70336

毕业论文[关键词]：中小企业；融资；银行；民间借贷

The Financing Problems And Solution Of The Small And Medium Sized Enterprises

Abstract:In this thesis, the present situation of SME financing, found several problems. Firstly, narrow channels of financing, most enterprises still detained in thinking among traditional financing. Secondly, the financing structure is irrational, from the total point of view, some companies do not develop financing strategies according to their actual operating capacity, the total amount of financing than companies can afford, some enterprises in order to select the emergency civil usury, and the total the high number of financing, some usurious interest rates even more than fifty percent, but this is not so high and profit margins, and also prudent not very likely, this will make the enterprise into a financial swamp in. Thirdly, the improper use of corporate finance, capital is not injected into the right place, or the allocation of funds is irrational, not even for the production and management. Fourthly, the financial institution carefully loans, credit crunch, small and medium enterprises to establish a higher threshold, forcing SMEs choose otherwise, the objective to increase the difficulty of financing and financing costs. Five is bad business account rate, once the upstream and downstream business failures, accounts receivable can not be recovered, affecting the entire financial chain industry chain, which would occur outside the high cost of capital becomes more serious cause damage to chain .

[Keyword]：Bank financing of private lending； Financing Problems 

目录

一、引言 1

二、融资基本理论概述 1

（一）融资的概念 1

（二）融资渠道概述 2

三、中小企业融资的现状 3

（一）内源融资状况 3

（二）外源融资状况 3

四、中小企业融资困难的影响因素 4

（一）外部环境影响 4

（二）企业内部因素与管理者因素 6

（三）银行与资本市场门槛高 7

（四）融资结构不合理 7

五、中小企业融资对策 13

（一）充分利用民间智慧，发展中小企业融资的新模式 12

（二）加快中小企业信用评价体系建设