摘要：市場經濟體制下，企業融資結構是企業理財的關鍵環節。融資成本是影響企業融資方式選擇的一個最重要因素，對融資成本的分析將為企業的融資決策提供有力依據。

在現有金融體制和法律環境下，由于有些企業的信用和信用擔保體系還很不健全，缺乏多層次的資本市場體系，加上企業自身業務發展不明確、財務制度不規范、抗風險能力差、融資需求“急、頻、少、高”等特點，造成各種企業在發展過程中很難得到外部融資的支持。

因此，論文將會在綜合分析我國各類型企業發展現狀和可選擇的融資方式的基礎上，進一步分析融資成本對融資方式選擇的影響因素，并通過比較不同類型企業在融資方式的選擇進行對比分析，從而有針對性的提出解決我國企業融資難問題的對策，以緩解我國企業的融資障礙。

關鍵詞：融資； 現狀；原因；對策

Abstract：In the market economic system, corporation’s finance structure is a key to the corporation’s finance. The cost of financing is one of the most important factors that affect financing options which provide a strong basis for analysis of the cost of financing for the corporate financing decisions.

Existing financial system and legal environment is not complete due to some corporate credit and credit guarantee system, the lack of multi-level capital market system, coupled with corporate business development is not clear, the financial system is not standardized, risk-resisting ability is poor financing needs "urgent, frequent, small, high features, resulting in a variety of difficult to get the support of external financing in the development process.

Therefore, the paper will be based on comprehensive analysis of various types of development status and alternative means of financing the further analysis of selected factors affecting the financing costs of financing, and were analyzed by comparing different types of business financing options, which has targeted solutions to all types of enterprises in China the problem of financing the measures, in order to ease the financing obstacles of Chinese enterprises.

Key words: financing；current situation ；reason；solution

企業融資渠道分析是順應企業在競爭環境中生存和發展需要的，本論文根據各種類型公司，研究出不同種類的融資渠道。結合時事案例，針對當前金融制度和企業融資渠道目前的現狀提出相應的對策，盡管我國企業在融資方面面臨著融資渠道窄的難題，但是通過企業自身發展經驗的累積和國外企業融資經驗的借鑒，再加上我國國內市場法制環境和證券市場建設的逐步完善，我們有理由相信，我國中小企業融資渠道窄的問題在未來的幾年內還是有可能得到解決的。未來根據市場不斷發展，企業對融資渠道的進一步研究，我國企業會選擇適合自己的融資渠道來發展和壯大。