摘要：中小企業(yè)是我國(guó)經(jīng)濟(jì)的主體，在經(jīng)濟(jì)社會(huì)發(fā)展中具有極其重要的地位和作用，中小企業(yè)的健康發(fā)展，對(duì)于我國(guó)的經(jīng)濟(jì)和社會(huì)的可持續(xù)發(fā)展以及構(gòu)建和諧社會(huì)有著極其重大的意義。然而我國(guó)中小企業(yè)的發(fā)展遇到了阻礙，融資難是中小企業(yè)的第一大問(wèn)題。分析了我國(guó)中小企業(yè)的現(xiàn)狀、中小企業(yè)的融資面臨的實(shí)際困難和中小企業(yè)融資難的原因，提出了的一些對(duì)策，主要對(duì)建立和完善中小企業(yè)融資體系的探討，并對(duì)中小企業(yè)自身完善和發(fā)展提出幾點(diǎn)建議，讓中小企業(yè)能更好更快速的發(fā)展，為我國(guó)社會(huì)主義建設(shè)作貢獻(xiàn)。

關(guān)鍵詞:中小企業(yè)；融資難；對(duì)策

Abstract：Small and medium-sized enterprises are the main body of our country economy, in economic and social development has an extremely important position and role, the healthy development of SMEs, for our country's economic and social sustainable development and the construction of the harmonious society has the extremely significant significance. However our country small and medium-sized enterprise development encountered obstacles, financing is small and medium enterprises in the first big question. Analysis of China's small and medium-sized enterprises, the current situation of financing of small and medium-sized enterprises face real difficulties and financing of small and medium-sized enterprises, puts forward some countermeasures, mainly on the establishment and perfection of financing system of small and medium-sized enterprises of small and medium-sized enterprises, and to improve and development put forward some suggestions, let the small and medium-sized enterprises can better and more quickly development, for our socialist construction makes contribution.

Key Words：Small and Medium-sized Enterprise； Financing Difficulty；Countermeasure

中小企業(yè)要獲得良好的發(fā)展環(huán)境,改善自身的融資狀況,就必須注意提高自身素質(zhì),提升信用等級(jí)。

　　　規(guī)范中小企業(yè)的公司治理結(jié)構(gòu)。企業(yè)的運(yùn)行績(jī)效大部分取決于其治理結(jié)構(gòu)的有效性，治理結(jié)構(gòu)的規(guī)范與否不僅影響投資決策和資金籌措，也影響企業(yè)的管理效率和內(nèi)部凝聚力，所以，公司治理結(jié)構(gòu)是企業(yè)融資能力的必要條件。

　　　健全財(cái)務(wù)管理制度。財(cái)務(wù)管理是企業(yè)經(jīng)營(yíng)管理最重要的內(nèi)容之一，而資金管理則是財(cái)務(wù)管理的核心內(nèi)容，健全的財(cái)務(wù)管理制度可提高企業(yè)的融資能力。中小企業(yè)要贏得銀行的信任和支持，就必須健全各項(xiàng)規(guī)章制度，強(qiáng)化財(cái)務(wù)管理，保證會(huì)計(jì)信息的真實(shí)性和合法性。中小企業(yè)經(jīng)營(yíng)者應(yīng)加強(qiáng)金融法規(guī)的學(xué)習(xí),尤其是在轉(zhuǎn)軌建制過(guò)程中, 應(yīng)充分尊重債權(quán)人的權(quán)益,真正在社會(huì)上樹(shù)立起守信用、重履約的良好形象。特別是中小企業(yè)應(yīng)提高會(huì)計(jì)信息的真實(shí)性,使會(huì)計(jì)報(bào)告能夠如實(shí)地反映企業(yè)的真實(shí)情況,取得銀行和擔(dān)保機(jī)構(gòu)的支持。

　　　構(gòu)筑良好的銀企關(guān)系。誠(chéng)實(shí)信用是市場(chǎng)主體發(fā)展的必要條件，中小企業(yè)要得到良好發(fā)展，就必須嚴(yán)格遵循誠(chéng)實(shí)信用原則，切實(shí)履行貸款合同，保持良好信用，構(gòu)筑良好的銀企關(guān)系。