摘要:改革開放以來，我國中小企業(yè)迅猛發(fā)展，在促進市場競爭、增進市場活力、提供就業(yè)機會、推進技術(shù)創(chuàng)新等方面具有不可替代的作用。從目前各國情況來看，無論發(fā)達(dá)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。然而，大多數(shù)中小企業(yè)都面臨著融資難的困境，這不僅會受到由經(jīng)濟運行所帶來的影響，而且會遇到經(jīng)濟體制制約因素和缺乏基本金融準(zhǔn)則所帶來的影響。因此，中小企業(yè)的融資問題在我國顯得更為復(fù)雜，為此要制定相應(yīng)的治理對策。在這樣的形勢背景下，本文希望通過對中小企業(yè)融資現(xiàn)狀的分析研究，揭示造成中小企業(yè)融資難的根本原因，并提出相關(guān)的解決對策。

關(guān)鍵詞: 中小企業(yè)；融資難；現(xiàn)狀；原因；對策

Abstract:Since the reform and opening up policy was carried out, small- and medium-size enterprises have developed rapidly in our country; they take incomparable roles in invigorating market and stimulating competition, providing job opportunities, pushing forward technological innovations and etc.. From the prospective of countries across the globe, these enterprises are backbones of economic development and social stability regardless of whether in developed or developing country. However, many of them find themselves facing the dilemma of financing, which may not only place them under the influence of economic operation, but also bring in the impacts of economic constraints and lack of basic standard. Therefore, financing issue of small- and medium-size enterprises is complicated and counter plans must be made. Under the circumstance, this thesis is expected to reveal the root cause in financing issue and come up with solution, through analyzing current situation of financing in those enterprises.

Key Words: Small and medium-sized enterprises；Financing dilemma ；Condition；Reasons；countermeasures

　　　進入21世紀(jì)后，中小企業(yè)即面臨著前所未有的發(fā)展機遇，也面臨著嚴(yán)峻的挑戰(zhàn)。盡管中小企業(yè)的融資難題已經(jīng)引起世界各國的廣泛關(guān)注，也提出了很多的解決方法，但是，畢竟造成中小企業(yè)融資難的原因是多方面的，因此，解決這個問題也必須從多方面入手。既要通過政府來調(diào)整法律法規(guī)，改善中小企業(yè)融資的宏觀環(huán)境，又要通過銀行等金融機構(gòu)來調(diào)整貸款政策，放松對中小企業(yè)融資的限制條件，更重要的是中小企業(yè)應(yīng)提高自身信用等級，樹立良好的企業(yè)形象，充分發(fā)揮企業(yè)的主觀能動性，依靠自身力量，與銀行建立長期的銀企關(guān)系。內(nèi)外聯(lián)動，共同努力，相信中小企業(yè)融資困難的難題會逐步得到解決。