文档介绍：我国中小企业融资难的原因和对策分析中文摘要改革开放以来,我国中小企业发展迅速,对国民经济的贡献率不断提高。中小企业在吸引劳动力就业、产品创新、满足社会需求、促进国民经济发展等方面发挥着越来越重要的作用,已经成为国民经济中最具活力的增长点,成为我国社会主义市场经济的重要组成部分。但长期以来,由于各种原因造成我国中小企业所获得的金融支持与其贡献不相称,融资难已经成为制约我国中小企业发展的瓶颈。随着我国经济的不断发展,中小企业融资难的问题日益严重, 分析现阶段中小企业融资难的原因,并从根本上找到解决办法,具有十分重要的现实意义。本文从我国中小企业融资渠道狭窄、自身的财务管理水平低、信用意识薄弱、社会信用不佳、国有商业银行对中小企业贷款存在偏见等方面的融资难原因。借鉴其他国家对中小企业融资支持的经验,根据我国实际情况,提出解决中小企业融资难的办法,应当从两大方面分析。从中小企业自身出发,应当强化企业自身信用建设,提高企业的财务管理水平,努力改善企业财务状况,增强企业自身实力,提高企业融资能力,这也是最根本的措施;从中小企业外部环境着手,应当改善中小企业融资环境(特别是社会信用环境),大力拓展中小企业直接融资渠道,建立和健全各项政策法规,改革税收机制和制定有利于中小企业融资的宏观经济政策,发展各类社会融资中介服务机构,完善信用担保体系。. 关键词:中小企业;企业融资;股权融资;债务融资;信用担保 ABS RAC Since the reform and opening up,our national small and medium—sized enterprises(SMEs)have developed very quicklY,and the contribution rate of them to nat ional economy have rai sed constant smal 1and medium‘—sized enterpri ses(SMEs)of our country take an important role in absorbing labor forces,innovating product,satisfying the SOCial need and promoting the developing the development of national ,in the 10ng term finance got by the SMEs have not matched with their contribution to our country for many financing have e the universal problem of hindering the developing of the ,it is important to analysis the reason of Difficult financing and find the method of handle it. In this paper,Financing channels for narrow,the 10w 1evel of financial management,credit awareness weak,poor SOCial credit,few state—mercial banks lending to SMEs,such as the exi stence of prejudice,is the reason of difficulties in financing small and medium enterpri from other countr i es to support the fi nanc ing of small and medium—sized experience,according to the actual situation in China to find the financing difficulties of small and medium-sized way,it should be analyzed from two aspects,starting from their own small and medium—sized,enterprises should strengthen the building of their own credit and raise the 1evel of financial management of