我國小微企業融資難問題及其對策研究

摘要·····································2

關鍵詞····································2

一、概括小微企業····················· ·········3

二、小微企業的主要內容····························3三、我國小微企業融資的所在困境分析······················3

（一）小微企業實力和信用相對弱 ························3

（二）小微企業信息不透明 ···························4

（三）抵押擔保體系不健全···························4

（四）小微企業融資成本高···························4

（五）缺少抵押物·······························4

（六）國家對小微企業融資的支持不夠······················4

四、相關對策的建議······························5

（一）構建完善的小微企業融資服務體系·····················5

（二）構建良好的信用環境···························5

（三）完善金融銀行和創新信貸產品 ·······················5

（四）加快制定小微企業融資相關服務政策····················5

（五）提高小微企業素質問題·························· 6

五、總結···································6

參考文獻···································7

摘 要

圍繞現階段我國經濟的快速發展，還有時代的進步，經濟總量已快速增長起來，小微企業的重要性已是有目共睹的。然后再介紹小微企業的主要內容。接著分析我國小微企業融資的所在困境分析和相關對策的建議，最后加以總結。

關鍵詞

小微企業、融資、困境、對策