摘要
本文深入分析了小微企业融资困境的现状及其成因，并提出了相应的应对策略。首先，本文指出小微企业普遍面临融资难、融资贵的问题，并且传统融资渠道存在一定的局限性，这制约了小微企业的健康发展。接着，本文从企业自身发展、金融体系限制、社会环境制约以及信息不对称四个方面，详细探讨了小微企业融资困境的成因。其中，企业自身未建立完善的现代企业制度、财务不透明、行为不规范等问题是内在原因；而银行对小微企业的惜贷态度、担保抵押机制不健全、政府扶持政策不足以及信用担保体系不完善等则是外部制约因素。为了缓解小微企业的融资困境，本文提出了以下应对策略：首先，小微企业应优化内部管理，建立健全现代企业制度，提高财务透明度，规范经营行为，以增强自身的融资能力；其次，小微企业应充分利用金融科技手段，降低融资成本，提高融资效率；再次，建立多元化融资渠道，通过股权融资、债券发行、互联网金融等方式，拓宽融资渠道，满足企业不同阶段的资金需求；最后，金融机构应创新金融产品和服务，针对小微企业的特点和需求，提供个性化的金融服务。
关键词：小微企业；融资困境；应对策略；金融科技；多元化融资渠道
Abstract
This paper deeply analyzes the current situation and causes of financing difficulties of small and micro enterprises, and puts forward corresponding countermeasures. First of all, this paper points out that small and micro enterprises generally face the problem of difficult and expensive financing, and there are certain limitations in traditional financing channels, which restricts the healthy development of small and micro enterprises. Then, this paper discusses the causes of financing difficulties of small and micro enterprises in detail from four aspects: enterprise development, financial system restriction, social environment restriction and information asymmetry. Among them, the enterprise itself has not established a perfect modern enterprise system, financial opacity, behavior irregularities and other problems are the internal reasons; The external constraint factors are banks' reluctance to lend to small and micro enterprises, imperfect guarantee and mortgage mechanism, insufficient government support policies and imperfect credit guarantee system. In order to alleviate the financing dilemma of small and micro enterprises, this paper puts forward the following coping strategies: First, small and micro enterprises should optimize internal management, establish a sound modern enterprise system, improve financial transparency, standardize business behavior, so as to enhance their financing ability; Second, small and micro enterprises should make full use of financial technology to reduce financing costs and improve financing efficiency; Third, establish diversified financing channels, expand financing channels through equity financing, bond issuance, Internet finance and other ways to meet the capital needs of enterprises at different stages; Finally, financial institutions should innovate financial products and services, and provide personalized financial services according to the characteristics and needs of small and micro enterprises.
Keywords： Small and micro enterprises; Financing dilemma; Coping strategy; Financial technology; Diversified financing channels
目 录
摘要 I
Abstract II
一、绪论 1
（一）研究背景 1
（二）研究目的及意义 1
二、小微企业融资困境的现状 2
（一）融资难的普遍性 2
（二）融资贵的问题 2
（三）传统融资渠道的局限性 2
三、小微企业融资困境的成因分析 4
（一）企业自身发展 4
（二）金融体系限制 4
（三）社会环境制约 4
（四）信息不对称 5
四、小微企业融资的应对策略 6
（一）优化企业内部管理 6
（二）利用金融科技手段 6
（三）建立多元化融资渠道 7
（四）创新金融产品与服务 7
结 论 8
参考文献 9
