1、 I 浅谈我国中小企业融资的现状，问题和对策浅谈我国中小企业融资的现状，问题和对策 摘要摘要 改革开放后，中小企业在我国家国民经济中不断地发展壮大，其地位和作用日益重要，不 仅有利于满足社会需要，增加就业，而且也符合符合国家产业政策。但是中小企业的发展却始终受 到资金的限制，解决中小企业融资难的问题早就成了迫在眉睫的事情。因此，本文对中小企业融资 现状和融资困难的原因，分别从国家的宏观政策、金融体系、企业自身素质三个方面进行分析，得 出我国的中小企业遇到了社会金融体系不够完善，中小企业信息不对称，自身体制不规范，信用担 保不成熟，征信等级低等成为中小企业融资难的主要障碍，通过分析和整理国内专家
2、学者对中小企 业融资问题的研究，并借鉴国外经验，结合我国实情，提出从中小企业自身做起，务实提升企业征 信等级和综合实力，同时也要加快建立对中小企业融资有利的融资渠道，为中小企业融资创造一个 良好的的政策环境，促进其在国民经济中不断地健康发展。 关键词 融资现状 对策 融资渠道 金融机构 II ON THE FINANCING OF SMALL AND MEDIUM ENTERPRISE IN OUR COUNTRY ON THE FINANCING OF SMALL AND MEDIUM ENTERPRISE IN OUR COUNTRY PRESENT SITUAPRESENT SITUAT
3、ION, PROBLEMS AND COUNTERMEASURESTION, PROBLEMS AND COUNTERMEASURES Abstract After reform and opening up，Small and medium-sized enterprises in our country the national economy continued to developing， its status and role has become increasingly important. It Is not only beneficial to meet the social
4、 needs, increasing employment, but also In accordance with national industrial policy. But development of small and medium-sized enterprise has always been capital restrictions to solve the problems of financing difficulties of the small and medium-sized enterprises have become urgent things. Tthere
5、fore，In this paper, the small and medium-sized enterprise financing present situation and the reasons of the financing difficulties, separately from the national macro policy financial system enterprise own quality three aspects are analyzed. Through the analysis and clean up the domestic experts an
6、d scholars on the financing of small and medium enterprises to a large number of problems, and the experience abroad, and combining with actual situation, put forward their own small businesses from start, pragmatic and promote the enterprise credit rating and overall strength. At the same time also speed up to establish and perfect the financing for small and medium-sized enterprises favorable channels of financing, financing for small and medium enterprises to create a good policy
