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浅析小企业融资问题摘要长期以来,中小企业的发展在我国国民经济建设中发挥了重要的作用,但它的发展却受着资金的制约,解决中小企业融资难的问题已经迫在眉睫。因此要对我国中小企业... 浅析小企业融资问题

摘要 长期以来,中小企业的发展在我国国民经济建设中发挥了重要的作用,但它的发展却受着资金的制约,解决中小企业融资难的问题已经迫在眉睫。因此要对我国中小企业融资中存在的问题及其成因进行剖析并制定出相应的措施。本文对中小企业融资现状和融资困难的原因,分别从国家企业自身素质、金融体系、宏观政策三个方面进行分析,得出我国中小企业的社会金融体系不够完善、信用担保不健全、国家扶持政策不够全面、信用度低等都是造成中小企业融资困难的主要因素。并在借鉴国外经验的基础上,结合我国国情,提出要从中小企业自身抓起,切实提高企业总体素质,同时加速建立多层次、全方位、完善的中小企业融资支持体系和健全的经营机制,改善中小企业融资的宏观政策环境,才能保障中小企业健康快速的发展,促进我国国民经济的发展。

关键词:融资途径 成因分析 自身素质 宏观政策
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Financing of small enterprises

Summary Over the years, the development of SMEs in the construction of China's national economy played an important role, but its development is being affected by funding constraints, solve the financing problem of SMEs is imminent. So should the financing of SME problems and their causes, analyze and formulate corresponding measures. This article on the situation of the financing and the difficulties of the respective countries, their own quality from the financial system, three aspects of macroeconomic policy analysis, obtained the financial system of society of SMEs in China is not perfect credit guarantee not perfect, the national support policies not comprehensive, and low credit financing difficulties of SMEs is causing a major factor. And learning from foreign experience based on the situation of China suggested that we Zhongxiaoqiye start their own, and truly improve enterprise overall quality, Tongshijiasu Jianli multi-level, comprehensive, Wan Shan's SME financing Zhichi improve the management mechanism Improve the Financing of the macro-policy environment, to protect the healthy and rapid development of SMEs, and promote development of national economy.

Keywords: Causes of financing their own quality of macroeconomic policy
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