【正文】 [摘 要 ] 中小企業(yè)是改革開放后出現(xiàn)的新的企業(yè)群體，對我國國民經(jīng)濟和社會發(fā)展做出積極貢獻。隨著我國經(jīng)濟體制改革的深入，中小企業(yè)的經(jīng)濟權(quán)將持續(xù)增加。中小企業(yè)是城市經(jīng)濟的主力軍，滿足內(nèi)需的主保障，社會就業(yè)的主渠道，農(nóng)民增收的主版塊，結(jié)構(gòu)調(diào)整的主載體，科技創(chuàng)新的主動力。其穩(wěn)定而持續(xù)的發(fā)展對國民經(jīng)濟的穩(wěn)定，市場經(jīng)濟體制的完善，國家經(jīng)濟的整體競爭力乃至社會的安定均具有廣泛而深遠的意義。但是，融資難的問題一直制約著中小企業(yè)的發(fā)展，目前中國的中小企業(yè)正處于資本快速積累、規(guī)模快速擴張的階段，其對于資金的需求巨大。然而 ，由于中小企業(yè)經(jīng)營規(guī)模不大，業(yè)績不穩(wěn)定，風(fēng)險大；擔(dān)保、抵押難，嚴重制約帶快的發(fā)放；財務(wù)管理與內(nèi)部治理結(jié)構(gòu)不健全，誠信度普遍較差；經(jīng)營組織形式的多樣性及信息內(nèi)部化，信息不對稱問題突出等諸多因素影響，使得中小企業(yè)融資成為難題。 本文在分析金融危機背景下中小企業(yè)融資難現(xiàn)狀的基礎(chǔ)上，總結(jié)了其他國家扶持中小企業(yè)的方案，通過對其他國家扶持中小企業(yè)的有效政策的借鑒，最終提出了解決中小企業(yè)融資難的新對策，以期解決融資難的問題。 關(guān)鍵詞： 金融危機 中小企業(yè) 融資 [Abstract] Medium and small enteiprises(MSEs)are a new enterprises munity emerged since China`s economic and social development.。 With the deepening of economic system reform in China, the economic weight os MSEs will continue to are the main force of urban economy,main block for farmers`ine increase,the main carrier of structural and sustained development of MSEs has an extensive and farreaching significance for the stability of national economy, the perfection of market economic system, the holistic petitiveness of the country`s economy and even social stability.。 However， the problem of financing difficulty has been restricting the development of MSEs in China which are currently in a stage of rapid capital accumulation and fast scale expansion and are in huge demand for funds. However,many factors such as MSEs` smaller business scale and lack of stable risks and difficulties in guarantee and pledge which seriously the grant of loans, defective financial management and internal management, generally lower degree of good faith, diversity of operational and anizational forms and failure of exchange of information with outside, signficant dissymmetry of information... all these factors have made financing a difficult problem for MSEs. Especially since the outbreak of global financial crisis, the problem of financing bee even more of a bottleneck for the survival and development of MSEs. Based on the analysis of financial crisis under the background of financing ofsmall and mediumsized enterprises on the basis of the current situation, summary of other countries to support the small and mediumsized enterprise solutions, through to other countries to support the small and mediumsized enterprise effective policy lessons, finally put forward to solve the financing of small and mediumsized enterprises and new countermeasures, in order to solve the difficult problem of words: financial crisis, Medium and small enterprises, financing Key words: financial crisis, Medium and small enterprises, financing 目 錄 [摘 要 ] ............................................................................................................................... I [Abstract] ............................................................................................................................ II 1 緒論 ................................................................................................................................ 1 論文研究意義及背 ................................................................................................. 1 相關(guān)概念內(nèi)涵 ......................................................................................................... 2 中小企業(yè) ....................................................................................................... 2 融資 .............................................................................................................. 3 相關(guān)理論綜述 ......................................................................................................... 4 研究的內(nèi)容 ............................................................................................................. 4 2 我國中小企業(yè)融資現(xiàn)狀 .................................................................................................... 5 中小企業(yè)融資結(jié)構(gòu)的現(xiàn)狀 ........................................................................................ 5 中小企業(yè)內(nèi)源融資現(xiàn)狀 .................................................................................. 5 中小企業(yè)的外源融資現(xiàn)狀 .............................................................................. 6 中小企業(yè)的間接融資現(xiàn)狀 .............................................................................10 我國中小企業(yè)融資渠道和融資方式的現(xiàn)狀 ..............................................................10 企業(yè)自有資金 ...............................................................................................10 金融機構(gòu)資金 ............................................................................................... 11 資本市場融資 ............................................................................................... 11 商業(yè)信用融資 ............................................................................................... 11 民間資金 ...................................................................................................... 11 境外資金 ...................................................................................................... 11 融資方式的現(xiàn)狀 ........................................................................................... 11 3 企業(yè)融資中存在的問題及原因 .........................................................................................12 中小企業(yè)融資中存在的主要問題 ............................................................................12 過分依賴內(nèi)源融資，融資規(guī)模有限 ..............................................................12 直接融資幾乎無法實現(xiàn) ................................................................................13 融資成本高 ..................................................................................................13 銀企之間存在嚴重的信息不對稱 ...................................................................14 我國中小企業(yè)融資難的原因 ...................................................................................15 我國中小企業(yè)融資困難的內(nèi)在原因 ...............................................................15 我國中小企業(yè)融資