摘要
伴随我国经济的不断发展，我国的中小型企业在经济市场上所起到的重要的推动和促进经济发展、提高经济效率、增加就业岗位、增强经济活力等方面的重要功能。在党的十九大报告中，指出了要深入推进供给侧结构性改革，加速推进创新型国家的建设，强化对中小企业创新的支撑，持续提升我国的经济创新能力和竞争力。然而，当前，由于其本身还具有规模小、管理体制不完善、整体竞争力弱等缺点，其发展的路径还面临着许多障碍。但是，融资问题却是最突出的，目前我国的中小型企业普遍面临着融资难、融资贵的现状，严重影响着他们的发展。论文以兰陵县的中小型企业为例，在此基础上，在兰陵县的经济发展、行业组织等方面进行了系统的调研，通过对兰陵县的调查，获得了大量的有关资料，并在此基础上进行了详细的实证研究。经过实地调研，发现中小企业融资渠道单一，融资成本较高。而从多个角度分析其原因，本论文通过对中小企业的金融问题展开了深入的研究和分析，使其在资金上的困难不会再阻碍其发展，从而使其能够持续地、持续地发展，这将会深刻地促进兰陵县的中小企业的发展。
关键词：中小企业，融资，互联网金融，供应链金融
Abstract
With the continuous development of China's economy, China's small and medium-sized enterprises play an important role in promoting and promoting economic development, improving economic efficiency, increasing employment, and enhancing economic vitality in the economic market. In the report of the 19th CPC National Congress, it was pointed out that we should further promote the supply-side structural reform, accelerate the construction of an innovative country, strengthen the support for the innovation of small and medium-sized enterprises, and continue to improve China's economic innovation capacity and competitiveness. However, at present, due to its small scale, imperfect management system and weak overall competitiveness, its development path still faces many obstacles. However, the financing problem is the most prominent. At present, China's small and medium-sized enterprises are generally facing the situation of difficult and expensive financing, which seriously affects their development. Taking the small and medium-sized enterprises in Hedong District of Linyi City as an example, the paper has carried out a systematic investigation on the economic development and industrial organization of Linyi City. Through the investigation of Hedong District of Linyi City, a large number of relevant data have been obtained, and on this basis, a detailed empirical study has been carried out. Through field research, it is found that SMEs have a single financing channel and high financing costs. To analyze the reasons from multiple perspectives, this paper has carried out in-depth research and analysis on the financial problems of small and medium-sized enterprises, so that their financial difficulties will no longer hinder their development, so that they can continue to develop, which will profoundly promote the development of small and medium-sized enterprises in Hedong District, Linyi City.
【Key words】SMEs, financing, internet finance, supply chain finance
目 录
一、绪论 1
（一）研究背景 1
（二）本文主要研究内容 2
二、 相关概念及理论基础 3
（一）相关概念界定 3
（二）相关理论基础 3
三、兰陵县中小企业融资现状及存在的问题分析 4
（一）兰陵县中小企业经济发展现状 4
（二）兰陵县中小企业融资现状及问题分析 4
（三）兰陵县中小企业融资问题的成因 5
四、国内外经验借鉴 6
（一）国内中小企业融资的经验借鉴 6
（二）国外中小企业融资的经验借鉴 7
（三）国内外融资经验借鉴分析 9
五、 兰陵县中小企业融资对策分析 9
（一）拓宽融资渠道 9
（二）改善融资难问题 10
（三）改善融资贵问题 11
六、 结论 12
参考文献 14
伴随我国经济的不断发展，我国的中小型企业在经济市场上所起到的重要的推动和促进经济发展、提高经济效率、增加就业岗位、增强经济活力等方面的重要功能。在党的十九大报告中，指出了要深入推进供给侧结构性改革，加速推进创新型国家的建设，强化对中小企业创新的支撑，持续提升我国的经济创新能力和竞争力。然而，当前，由于其本身还具有规模小、管理体制不完善、整体竞争力弱等缺点，其发展的路径还面临着许多障碍。但是，融资问题却是最突出的，目前我国的中小型企业普遍面临着融资难、融资贵的现状，严重影响着他们的发展。论文以兰陵县的中小型企业为例，在此基础上，在兰陵县的经济发展、行业组织等方面进行了系统的调研，通过对兰陵县的调查，获得了大量的有关资料，并在此基础上进行了详细的实证研究。经过实地调研，发现中小企业融资渠道单一，融资成本较高。而从多个角度分析其原因，本论文通过对中小企业的金融问题展开了深入的研究和分析，使其在资金上的困难不会再阻碍其发展，从而使其能够持续地、持续地发展，这将会深刻地促进兰陵县的中小企业的发展。
关键词：中小企业，融资，互联网金融，供应链金融
Abstract
With the continuous development of China's economy, China's small and medium-sized enterprises play an important role in promoting and promoting economic development, improving economic efficiency, increasing employment, and enhancing economic vitality in the economic market. In the report of the 19th CPC National Congress, it was pointed out that we should further promote the supply-side structural reform, accelerate the construction of an innovative country, strengthen the support for the innovation of small and medium-sized enterprises, and continue to improve China's economic innovation capacity and competitiveness. However, at present, due to its small scale, imperfect management system and weak overall competitiveness, its development path still faces many obstacles. However, the financing problem is the most prominent. At present, China's small and medium-sized enterprises are generally facing the situation of difficult and expensive financing, which seriously affects their development. Taking the small and medium-sized enterprises in Hedong District of Linyi City as an example, the paper has carried out a systematic investigation on the economic development and industrial organization of Linyi City. Through the investigation of Hedong District of Linyi City, a large number of relevant data have been obtained, and on this basis, a detailed empirical study has been carried out. Through field research, it is found that SMEs have a single financing channel and high financing costs. To analyze the reasons from multiple perspectives, this paper has carried out in-depth research and analysis on the financial problems of small and medium-sized enterprises, so that their financial difficulties will no longer hinder their development, so that they can continue to develop, which will profoundly promote the development of small and medium-sized enterprises in Hedong District, Linyi City.
【Key words】SMEs, financing, internet finance, supply chain finance
目 录
一、绪论 1
（一）研究背景 1
（二）本文主要研究内容 2
二、 相关概念及理论基础 3
（一）相关概念界定 3
（二）相关理论基础 3
三、兰陵县中小企业融资现状及存在的问题分析 4
（一）兰陵县中小企业经济发展现状 4
（二）兰陵县中小企业融资现状及问题分析 4
（三）兰陵县中小企业融资问题的成因 5
四、国内外经验借鉴 6
（一）国内中小企业融资的经验借鉴 6
（二）国外中小企业融资的经验借鉴 7
（三）国内外融资经验借鉴分析 9
五、 兰陵县中小企业融资对策分析 9
（一）拓宽融资渠道 9
（二）改善融资难问题 10
（三）改善融资贵问题 11
六、 结论 12
参考文献 14
