中小企业融资困境分析及其对策  

The Analysis and Countermeasures of Financing Dilemma of Small and Medium-sized Enterprises

作　　者：甄新华 石艳萍 蔡伟 杨焕玲[2] 

机构地区：[1]青岛农业大学财务处 [2]青岛农业大学经济与管理学院,山东青岛266109

出　　处：《青岛农业大学学报（社会科学版）》2017年第3期50-53,共4页Journal of Qingdao Agricultural University(Social Science)

基　　金：青岛农业大学应用型人才培养特色名校建设工程校级优秀课程建设项目(XYX2014027)

摘　　要：中小企业的发展影响着我国社会经济的健康发展,政府也出台了相关政策支持中小企业的发展,但目前资金短缺仍是阻碍中小企业发展的主要障碍。本文首先分析了中小企业目前的融资困境,然后从内外两个方面分析了中小企业融资困难的原因,并提出了提高企业经营管理水平、加大国家政策支持、健全信用担保体系、创新融资工具等具体的对策建议,旨在缓解中小企业融资困境并促进其持续健康发展。The development of small and medium-sized enterprises affect the healthy development of China’s economy,and the government has made policies to support their development.Yet the shortage of funds has become a bottleneck restricting their rapid development.Based on the analysis of the current financing difficulties of small and medium-sized enterprises,this paper goes further to analyze the causes of financing difficulties from internal and external aspects,and puts forward the countermeasures of improving the management level,increasing national policy support,improving the credit guarantee system,and innovating financing tools in order to lessen the financing dilemma and improve the constant and healthy development of small and medium-sized enterprises.

关 键 词：中小企业 融资困境 融资方式 

分 类 号：F276.3[经济管理—企业管理]