目 录
摘 要··················································3
一、中小企业融资现状············································4
二、中小企业融资渠道存在的问题··································5
（一）企业信用状况不好··········································5
（二）中小企业融资渠道狭窄单一成本偏高··························5
（三）融资结构不尽合理 ··········································6
（四）中小企业的融资政策环境不佳·································6
（五）中小企业信用担保体系不发达·································6
三、中小企业融资渠道问题成因·····································6
（一）企业自身的原因·············································7
（二）融资渠道体系的原因·········································8
（三）金融体系的原因·············································8
（四）政府政策经济环境的原因·····································9
（五）社会中介担保机构的原因 ····································9
四、解决中小企业融资渠道的对策··································10
（一）完善内部制度··············································10
（二）拓展多元化融资渠道········································10
（三）巩固与金融机构之间的关系··································11
（四）加大政府支持力度，完善政策法规 ···························11
（五）建立健全融资中介机构 ·····································11
参考文献 ·······················································13
内 容 摘 要
随着经济全球化进程的加快和市场竞争的日益激烈，中小企业的地位发生了巨大的变化。中小企业是经济发展的必然结果，是维护市场竞争，保证经济平稳运行，充分就业保障的前提和条件，中小企业已成为国民经济的重要支柱。但对于发达国家和发展中国家而言，中小企业融资存在许多困难，如企业自身、金融机构和政策环境等。
