【正文】 increasingly bee the main force of China39。s economic development an important integral part. However, the problem of financing has been a major problem restricting the development of SMEs. Firstly, SME financing concepts from the start, stating the relevant concepts and theories SME financing, financing overview. Secondly, analyzes the development of SMEs, bank credit is difficult to find direct financing difficulties, the high cost of financing problems and analyze the causes for the problems identified. Finally, for the problems identified, to learn from the development experience of SMEs than the United States, Britain, Japan and other developed countries, small and medium enterprises from the country itself, financial institutions, overnments proposed three aspects of SMEs to improve management, increase specifically for SME finance institutions and the strengthening of government policy on SME support legislation and other measures and proposals with a view to alleviate the financing problem of SMEs. Through the study of the financing of SMEs, help solve the current development of SMEs in China。 conducive to the overall development of our national economy. Ke Y Words: SMEs Financing Countermeasures 7 目 錄 論文總頁(yè)數(shù)： 17 頁(yè) 引言 .................................................................................................................................................. 1 1 中小企業(yè)融資相關(guān)理論概述 .................................................................................................... 2 中小企業(yè)概念界定 .............................................................................................................. 2 融資及融資渠道概念的界定 ............................................................................................. 3 企業(yè)融資理論的相關(guān)研究 .................................................................................................. 4 不對(duì)稱信息理論 ............................................................................................................. 4 信息匹配供給理論 ....................................................................................................... 4 金融制度理論 ............................................................................................................... 4 2 中小企業(yè)的融資現(xiàn)狀 ................................................................................................................ 6 銀行信貸困難 ...................................................................................................................... 6 融資渠道單一 ...................................................................................................................... 6 融資成本高 ......................................................................................................................... 7 3 中小企業(yè)融資難問(wèn)題成因分析 ................................................................................................ 8 企業(yè)自身方面 ..................................................................................................................... 8 中小企業(yè)自身競(jìng)爭(zhēng)實(shí)力弱 ........................................................................................... 8 中小 企業(yè)信用體系不完善 ........................................................................................... 8 中小企業(yè)自我積累觀念不強(qiáng) ....................................................................................... 9 金融機(jī)構(gòu)方面原因分析 ...................................................................................................... 9 銀行金融機(jī) 構(gòu)信貸成本高 ........................................................................................... 9 金融機(jī)構(gòu)體系不夠完善 ............................................................................................... 9 政府方面原因分析 .............................................................................................................. 9 中小企業(yè)法律法規(guī)不健全 ........................................................................................... 9 政府對(duì)中小企業(yè)扶持力度不大 ................................................................................. 10 4 中小企業(yè)融資難問(wèn)題解決對(duì)策 ...............................................................................................11 中小企業(yè)自身改進(jìn)措施 .....................................................................................................11 重視技術(shù)創(chuàng)新，提高自身競(jìng)爭(zhēng)力 ..............................................................................11 加強(qiáng)內(nèi)部管理，完善企業(yè)制度 ..................................................................................11 完善金融體系建設(shè) ............................................................................................................ 12 深化金融機(jī)構(gòu)改革 ..................................................................................................