内 容 摘 要
我国截止到2020年底国家外汇储备超过30000亿美元，中国目前储蓄率达高达45%，是世界上少有的高储蓄率的国家。应该说整个中国“资金丰盈”，但各大小微企业发现速度缓慢，资金严重短缺，申请银行贷款却屡屡被拒，是它们自身条件差、信用差、缺抵押、缺担保，亦或是政策取向，传导机制等问题。本文通过从各级政府配套政策、银行管理机制、小微企业自身情况等方面分析小微企业的融资现状，结合实际形成原因，参考国家一系列发展历程，来探讨小微企业融资难问题的分析方法和解决路径。
[关键词]：小微企业 融资难 新冠疫情 解决路径
我国小微企业融资难问题及其对策研究
目 录
引言·····························································5
第一章 我国小微企业资金现状·······································5
1.1我国小微企业划分标准··········································5
1.2我国小微企业基本情况···········································7
第二章 我国小微企业的融资现状·····································7
2.1小微企业的融资方式·············································8
2.2小微企业的融资难分析···········································9
2.2.1 自身条件····················································10
2.2.1 外部因素····················································10
小微企业融资的解决方案······································11
3.1 创环境························································11
3.2 搭平台························································11
3.3 固支点·······················································12
结论·····························································14
文献
