摘 要
中小企业融资难问题一直是制约其发展的重要因素，随着经济全球化和市场竞争加剧，这一问题愈发凸显。本研究旨在深入探讨中小企业融资难的现状、成因及应对策略，以期为缓解中小企业融资困境提供理论支持与实践指导。通过对国内外相关文献的系统梳理，结合我国中小企业的实际运营情况，采用定性分析与定量分析相结合的方法，选取具有代表性的中小企业样本进行问卷调查和实地访谈，获取第一手数据资料。研究发现，中小企业融资难主要源于信息不对称、信用体系不完善、金融政策支持力度不足以及自身财务管理水平较低等因素。针对上述问题，提出构建多元化的融资渠道体系，包括优化银行信贷服务、发展供应链金融、推动股权融资等；完善中小企业信用评价机制，提高企业透明度；加强政府引导和支持力度，设立专项扶持基金；提升中小企业内部管理能力，增强市场竞争力。本研究创新性地将宏观政策环境与微观企业管理相结合，从多维度剖析中小企业融资难题，并提出切实可行的解决方案，为相关政策制定者和企业管理者提供了有价值的参考依据。
关键词：中小企业融资难 信息不对称 信用体系
Abstract
The financing difficulties of small and medium-sized enterprises (SMEs) have long been a critical factor constraining their development. With the intensification of economic globalization and market competition, this issue has become increasingly prominent. This study aims to thoroughly examine the current status, causes, and coping strategies of SME financing difficulties in order to provide theoretical support and practical guidance for alleviating the financing challenges faced by SMEs. By systematically reviewing relevant domestic and international literature and integrating it with the actual operational conditions of Chinese SMEs, this research employs a combination of qualitative and quantitative analysis methods. Representative SME samples were selected for questionnaire surveys and field interviews to obtain first-hand data. The findings indicate that the primary reasons for SME financing difficulties stem from information asymmetry, an imperfect credit system, insufficient financial policy support, and low levels of internal financial management. In response to these issues, this study proposes establishing a diversified financing channel system, including optimizing bank lending services, developing supply chain finance, and promoting equity financing; improving the SME credit evaluation mechanism to enhance corporate transparency; strengthening government guidance and support through the establishment of special assistance funds; and enhancing internal management capabilities of SMEs to boost market competitiveness. Innovatively, this research integrates macro-policy environments with micro-enterprise management, analyzing SME financing problems from multiple dimensions and proposing feasible solutions, thereby providing valuable references for policymakers and enterprise managers.
Keyword:Difficulties In Sme Financing Information Asymmetry Credit System
目 录
引言 1
1中小企业融资现状分析 1
1.1融资规模与结构特征 1
1.2主要融资渠道剖析 2
1.3融资难的具体表现 2
2融资难的成因探究 3
2.1内部因素分析 3
2.2外部环境影响 3
2.3金融机构态度 3
3国内外应对经验借鉴 4
3.1国内成功案例 4
3.2国外有效模式 5
3.3经验对比分析 5
4解决融资难的对策建议 6
4.1完善政策支持体系 6
4.2创新金融服务方式 6
4.3提升企业自身能力 7
结论 7
参考文献 9
致谢 10
