【正文】 pecially in the aspect of providing the employment opportunity, and which can not be replaced. According to the backgrounds in most counties, not only the developed ones but also the developing ones in which the smallmedium enterprises are the essential mainstays In economy development and society stability. Therefore, the governments in every country pay great attention to the development of the smallmedium enterprises. But due to the highlymercialized banks and the selfdefects of their own, the financing problems for smallmedium enterprises has bee the world topics. Comparatively speaking, this is a relatively pure problem in economic activities in western countries. While in China, the smallmedium enterprises will not only be faced with the problems from the economic activities itself but also the unfavorable effects due to the restricted the economy system and lacking of basic finance regulations. Therefore the financing problems of the smallmedium enterprises turn out to be more plex. Under such condition, the essay hope to reveal the causes which mad e the smallmedium enterprises difficult in financing by analys is on the present financing status of the medium and small enterprises, and to raise the suitable methods to solve the problems.Key words: the medium and small enterprises ； Financing information；Financing system building1 前 言 中小企業(yè)融資背景中小企業(yè)在促進市場競爭、增進市場活力、推進技術創(chuàng)新、特別是在提供就業(yè)機會等方面具有不可替代的作用，各國政府都十分重視中小企業(yè)的發(fā)展。在此背景下，本文希望通過對中小企業(yè)融資狀況的分析，揭示造成我國中小企業(yè)融資難的原因，并提出相關的解決方法。由于銀行高度商業(yè)化以及中小企業(yè)自身的缺陷，中小企業(yè)融資難是世界性課題。本科畢業(yè)論文題 目：論中小企業(yè)融資難的原因及對策分析 目 錄摘 要 ..........................................................IIABSTRACT......................................................III1 前 言 .........................................................1 .....................................................1 .......................................................1 .............................................1 融資的分類 ...........................................................12 妨礙我國中小企業(yè)發(fā)展的主要問題和困難 ..........................2 信貸政策支持 .........................................................2 .............................3 .................................................3 ...................................33 對中小企業(yè)融資難的原因分析 ....................................3 .........................................3 從中小企業(yè)的類型分析 .................................................4 ...........................................44 解決中小企業(yè)融資難的對策及建議 ................................5 ...................5 解決我國中小企業(yè)融資難問題的幾點思考 .................................95 結 論 ........................................................12謝 辭 ..........................................................13參考文獻 .......................................................14摘 要中小企業(yè)在促進市場競爭、增進市場活力、推進技術創(chuàng)新、特別是在提供就業(yè)機會等方面具有不可替代的作用，從目前各國的情況看，無論發(fā)達國家還是發(fā)展中國家，中小企業(yè)都是經(jīng)濟發(fā)展和社會穩(wěn)定的重要支柱。因此，各國政府都十分重視中小企業(yè)的發(fā)展。比較而言，在西方國家這是一種較為單純的經(jīng)濟運行中的問題，而我國中小企業(yè)不僅會遇到由經(jīng)濟運行本身所帶來問題，而且還會遇到經(jīng)濟體制制約因素和缺乏基本金融原則所帶來的不利影響，因此，中小企業(yè)的融資問題在我國表現(xiàn)得更為復雜。關鍵詞: 中小企業(yè) ；融資 ； 金融體系建設On the causes of difficulties in financing small and mediumsized and CountermeasuresABSTRACT Most smallmedium enterprises have great function in promoting the market petition, improving the market39。由于銀行高度商業(yè)化以及中小企業(yè)自身的缺陷，中小企業(yè)融資難是世界性課題。 中小企業(yè)的概念關于中小企業(yè) 1還缺少清晰的定義，世界各國主要以企業(yè)的雇工人數(shù)、資本額或銷額作為對企業(yè)的分類標準，而國內對中小企業(yè)很長時間沒有完整的分類標準，直到2022 年