题目：我国中小企业融资难原因分析及对策
摘要：本文主要研究了我国中小企业融资难的现状、原因以及解决对策。首先，通过对国内外研究现状的分析，明确了研究的背景和目的。然后，对中小企业的定义与特点进行了阐述，并详细描述了我国中小企业融资难的现状和具体表现。接着，从内部和外部两个方面分析了中小企业融资难的原因。在此基础上，借鉴了美国、欧洲和日本等国家解决中小企业融资难的经验，提出了改善中小企业自身经营管理、建立健全信用担保体系、完善金融市场、加强法律法规建设和提高金融机构信贷支持等对策建议。最后，对全文进行了总结。
关键词：中小企业，融资难，原因分析
Abstract:This paper mainly studies the present situation, causes and solutions of Chinese small and medium-sized enterprises' financing difficulties. First, through the analysis of domestic and foreign research status, the background and purpose of the research are clarified. Then, the definition and characteristics of small and medium-sized enterprises are elaborated, and the present situation and specific performance of Chinese small and medium-sized enterprises financing difficulties are described in detail. Then, from the internal and external two aspects of the analysis of smes financing difficulties reasons. On this basis, drawing on the experience of the United States, Europe, Japan and other countries to solve the financing difficulties of small and medium-sized enterprises, the author puts forward some countermeasures and suggestions to improve the operation and management of small and medium-sized enterprises, establish and perfect the credit guarantee system, perfect the financial market, strengthen the construction of laws and regulations and improve the credit support of financial institutions. Finally, the thesis is summarized.
Key words：Small and medium-sized enterprises, financing difficulties, cause analysis
目录
题目：我国中小企业融资难原因分析及对策 1
摘要： 1
1 绪论 2
1.1研究背景和目的 2
1.2国内外研究现状 2
1.3研究内容与方法 2
2.中小企业融资难的现状分析 3
2.1中小企业的定义与特点 3
2.2我国中小企业融资难的现状描述 3
2.3中小企业融资难的具体表现 3
3.我国中小企业融资难的原因分析 4
3.1内部原因 4
3.2外部原因 4
4.国外中小企业融资难的解决经验与启示 4
4.1.美国中小企业融资难的解决经验 4
4.2欧洲中小企业融资难的解决经验 5
4.3日本中小企业融资难的解决经验 5
5.我国中小企业融资难的对策建议 5
5.1改善中小企业自身经营管理，提高企业信用等级 5
5.2建立健全中小企业信用担保体系 6
5.3完善金融市场，发展多元化融资渠道 6
5.4加强法律法规建设，保障中小企业合法权益 6
5.5提高金融机构对中小企业的信贷支持 7
结论 7
参考文献 7
致谢 8
