小微企业融资问题研究.docx

19小微企业融资问题研究摘要小微企业在我国经济发展中处于基础性地位在经济转型升级的背景下对保持经济平稳增长、维持社会和谐稳定、改善社会民生具有积极作用。然而金融资源供给不足已成为困扰小微企业发展的首要问题企业想要生存发展就不得不想办法解决融资难、融资贵这一棘手问题。但是由于小微企业自身产品竞争力较弱；管理松散、透明度差且信用观念淡薄；其需求偏好有着自身独特性对资金的需要主要是“少、频、急”；加之银企间信息不对称导致真正能够满足其融资需要的金融机构少之又少。此外政府支持力度的缺失、政策制定的不完善等也使得小微企业在寻求融资时处于尴尬地位。本文从小微企业融资现状入手通过分析其在融资过程中所面临的种种问题力争找到有效的解决方法以改善制约小微企业发展的融资难题。帮助小微企业走出融资困境得到更好地发展。关键字：小微企业；融资现状；原因；解决途径AbstractNowadayssmallandmicroenterprisesplayacornerstoneinthedevelopmentofeconomyinChina.Underthebackgroundofeconomictransitionandupdatingsmallandmicroenterprisesnotonlymaintainsteadyeconomicgrowthandsocialharmonybutalsoprovideapositiveeffectwithimprovingpeople’slivelihood.Howevertheproblemoffinancialresourcessuppliedinsufficientlyhasbecometheprimaryissueinprocessofenterprisesdevelopment.Smallandmicroenterpriseshavetofindsomewaystosolvethetoughproblemoffinancingiftheywanttoexistsafelyanddevelopsteadily.Whileduetothefeatureofproductionandmanagementsmallandmicroenterpriseshaveauniquedemandpreference.Moreovertheasymmetricinformationbetweenbanksandcompaniesleadingtothefinancialinstitutionislessandlesswhichcanmeettheneedsoffinancing.Inadditionthelackofgovernmentalsupportsandtheimperfectionofpolicy-makingalsomakesmallandmicroenterprisesinanawkwardpositionwhentheyseekfinancing.Thisdissertationwillstartwiththepresentfinancingsituationofsmallandmicroenterprisesanalyzingtheproblemsintheprocessoffinancinglookingforsomeeffectivemethodstosolvetheproblemsandthenimprovingthefinancingissuewhichrestrictthedevelopmentofsmallandmicroenterprise.Reachingthetargettohelpsmallandmicroenterprisesoutofthefinancingdifficultiesgetbetterdevelopment.Keywords:smallandmicroenterprises;financingstatus;reason;solution目录摘要IIAbstractIII一、绪论1（一）研究背景1（二）研究目的1（三）研究现状及成果21．国外研究现状22．国内研究现状2（四）研究方法及研究内容3二、小微企业融资现状及问题调查