我国中小企业现阶段融资难的现状及分析

目       录

一、我国当前中小企业发展的重要性及融资现状·························3

二、我国中小企业融资的主要渠道·····································3

（一）自筹资金···························································3

（二）直接融资···························································3

（三）间接融资···························································4

（四）政府扶助资金·······················································4

三、制约我国中小企业融资的瓶颈·····································4

（一）中小企业内部自身方面···············································4

（二）金融结构和金融体系方面·············································5

（三）政府的政策支持力度不够是造成中小企业融资困难的重要原因·············6

四、解决我国中小企业融资的对策及建议·······························6

（一）发展天使投资·······················································7

（二）提高我国中小企业自身素质···········································7

（三）金融机构要加大对中小企业融资支持力度·······························8

（四）完善政府服务职能，为中小企业融资创造更多机会·······················9

（五）建立和完善我国中小企业信用担保体系·································9

（六）规范创业板市场····················································10

（七）推进符合地方发展特点的中小企业融资方式创新························11

五、结语··························································11

六、参考文献······················································13

内 容 摘 要

中小企业在我国的经济发展发挥着重要的作用，但是融资难问题一直困扰中小企业进一步发展。本文就中小企业融资常规渠道进行总结，并分析制约中小企业发展的瓶颈因素，提出中小企业解决融资可以从天使投资，自身素质，金融机构，政府辅助，信用担保体系建立、规范创业板市场和融资方式创新等方面来解决。

关键词：中小企业，融资现状，融资渠道，融资对策，