目 录
一 中小企业融资现状······························2
（一）中小企业融资渠道狭窄·······················2
（二）信用担保体系的不完善·······················3
（三）融资成本高·································3
二 产生融资问题的原因····························4
（一）政府·······································4
（二）金融·······································5
（三）企业自身···································5
（四）信用等级差·································6
三 解决问题的对策································6
（一）政府方面···································6
（二）金融方面···································8
（三）企业自身···································9
（四）信用制度建设·······························10
结论············································11
参考文献········································12
内 容 摘 要
中小企业作为国民经济的重要组成部分，对中国经济建设和改革开放、构建和谐社会等方面发挥着越来越重要的作用。进入2011年，在流动性紧张和通货膨胀压力持续高企的形势下，中小企业资金紧张状况普遍加剧，盈利空间有所缩小，中小企业融资难题再次成为焦点。中小企业融资难问题是企业自身、融资市场以及政府等众多因素共同作用的结果，其中，企业自身的发展是根本，政府的帮扶是关键。所以，有效解决我国中小企业融资难，还需中小企业、银行和政府三方共同努力。
关键词：融资现状 融资渠道 中小企业 融资难
