我國中小企業現階段融資難的現狀及分析

一、我國當前中小企業發展的重要性及融資現狀·························3

二、我國中小企業融資的主要渠道·····································3

（一）自籌資金···························································3

（二）直接融資···························································3

（三）間接融資···························································4

（四）政府扶助資金·······················································4

三、制約我國中小企業融資的瓶頸·····································4

（一）中小企業內部自身方面···············································4

（二）金融結構和金融體系方面·············································5

（三）政府的政策支持力度不夠是造成中小企業融資困難的重要原因·············6

四、解決我國中小企業融資的對策及建議·······························6

（一）發展天使投資·······················································7

（二）提高我國中小企業自身素質···········································7

（三）金融機構要加大對中小企業融資支持力度·······························8

（四）完善政府服務職能，為中小企業融資創造更多機會·······················9

（五）建立和完善我國中小企業信用擔保體系·································9

（六）規范創業板市場····················································10

（七）推進符合地方發展特點的中小企業融資方式創新························11

五、結語··························································11

六、參考文獻······················································13

內 容 摘 要

中小企業在我國的經濟發展發揮著重要的作用，但是融資難問題一直困擾中小企業進一步發展。本文就中小企業融資常規渠道進行總結，并分析制約中小企業發展的瓶頸因素，提出中小企業解決融資可以從天使投資，自身素質，金融機構，政府輔助，信用擔保體系建立、規范創業板市場和融資方式創新等方面來解決。

關鍵詞：中小企業，融資現狀，融資渠道，融資對策