文档介绍：武汉科技大学硕士学位论文第 I 页
摘要

中小企业融资问题已经广泛受到各国政府的关注,融资难已成为制约中小企业发展的
瓶颈。它使中小企业在市场竞争中处于劣势地位。由于“血液”供应不足,不少中小企业
陷入“由于经营绩效差,不能得到经营发展所需资金;由于缺少资金支持,加快经济效益
滑坡”的恶性循环。如何破解这个难题,已经成为理论界、政府和实业界共同关注的焦点。
中国正处于市场经济转轨时期,这便给中国的中小企业融资难的问题又增添了一些特
殊的成因。在我国国民经济中,中小企业同样是一个重要的组成部分,它在推动国民经济
发展的进程中所起的作用不容忽视,对于企业制度的变革、下岗再就业问题的解决等起到
了一定的作用。大力发展中小企业,是促进我国国民经济快速稳定增长、实现人民生活水
平提高的有效途径。但是,与一些发达国家和地区相比,我国的中小企业面临着更为严峻
的融资困境,无论是间接融资还是直接融资,相对于国有大企业而言,中小企业都处于明
显的劣势地位,融资问题已经成为制约我国中小企业发展的最突出问题。
因此,研究我国中小企业的融资现状,分析中小企业融资困境的成因,借鉴发达国家
在中小企业融资方面所取得的经验,并由此总结出适合我国特殊国情的切实可行的对策,
是促进中小企业发展,帮助其尽快走出融资困境的必然选择,这也是摆在我们面前的重要
课题,有着极其深远的意义。

关键词:中小企业;融资;政府政策;信贷担保;对策
武汉科技大学硕士学位论文第 II 页
Abstract
SME s’ financing problems have been widely concerned by governments, and the
difficulties in financing e the obstacles of SME s’ development, which has a great impact
on the SME s in the petition. Due to the inadequate supply, many small and
medium-sized enterprises can’t operate panies very well and they are lack of capital; And
because of the lack of financial support, the vicious cycle of economic benefit has been
accelerated. Therefore, how to solve this problem has e mon focus by the theorists,
government officials and munity.
During the market economic transition period, the difficulties of Chinese SME s’ have some
special reasons. Small and medium-sized enterprise is an important constituent in Chinese
national economy, and it not only plays an important role in the process of promoting
development of national economy, but plays an innovational function in the revolution of
enterprise system and solution of the lay-off again obtain employment. Vigorously developing
small and medium-sized enterprises can help national economy develop fast and steadily as well
as improve the people's living standards. However, compared to some developed countries and
regions, MSE in China faced with even more pressing financing difficulties, both indirect
financing and direct financing, r