经济常态下中小企业融资问题研究

经济常态下中小企业融资问题研究(论文8800字)
随着进入经济新长态的环境下，中小企业已经进入了一种困境，他们的发展是非常的缓慢的，并且实力是非常的差的，并且所能够承受的风险也是非常小的，为了更好的让中小企业进行发展，必须出台相关的法律法规，使得他们能够更好的去进行在经济的市场上进行融资。这样的话他们就能够有充值充足的资金进行发展自己。通过大量的数据分析得出我国大约有。我国的30%的中小企业都是通过没有充足的资金，没有办法去使自己的企业进行运转下去，从而导致了自己企业倒闭，在新常态的状况下应该对中小企业融资的问题进行研究，这样更好的去是中小企业进行发展。
通过在前言的部分更好的研究了为什么进行研究本课题。在本文的第二章介绍了中小企业发展及经济新常态的概述，通过这一章的分析我们能够更好的去了解中小企业的重要性，以及新常态的情况。通过对这些问题的研究，我们更好的针对问题找到更好的解决的解决的办法。
关键词：中小企业；融资；新常态

Abstract
With the continuous development of economy, small and medium-sized enterprises in China's economic development has an important position on the road in the past two years, China's economy is facing downward pressure. In this economic situation, the financing problem of SMEs is even worse. , providing jobs for the community, to ease the contradiction of employment provides many jobs but in the development of small and medium-sized enterprises, lack of funds, financing channels, financing difficult problem has plagued the enterprise, become a bottleneck, the development of small and medium-sized enterprises for a long time, but its development is being affected by funding constraints, solve the financing problem of SMEs is imminent. Therefore,, were analyzed from the three aspects of the national macroeconomic policy and financial system, the quality of the enterprise itself, the small and medium-sized enterprises of our country social financial system is not perfect, credit guarantee is not mature, the small and medium-sized enterprise information asymmetry, its system is not perfect, low credit are mainly factors causing the financing difficulties of small and medium-sized enterprises. And on the basis of foreign experience, combined with China's national conditions, put forward from the small and medium-sized enterprises, and effectively improve the overall quality of enterprises, and accelerate the establishment of sound management system and mechanism of SMEs financing support multi-level, all-round and perfect, improve the financing of small and medium enterprises in the macro policy environment, in order to protect the small and medium sized enterprises the healthy and rapid development, promoting the development of our national economy. In this paper, under the new economic normal, from the two aspects of capital supply and demand, [版权所有：http://think58.com]
Key words: small and medium-sized enterprise financing new normal countermeasure

目  录
1前言    1
2中小企业发展及经济新常态概述    1
2.1  中小企业的重要性及发展特点    1
2.2  经济新常态的概述    2
3新常态下中小企业面临的融资现状    2
3.1  资金供给方面    2
3.2  资金需求方面分析    3
4. 新常态下中小企业融资难原因    3
4.1中小企业融资渠道过少    3
4.2国家宏观政策原因    3
4.2.1缺乏公平竞争的融资环境和法律法规保障    3
4.2.2政策性金融机构支持乏力，中小企业信用担保体系不完善    4
4.3  中小企业自身素质低    4
4.3.1缺乏现代经营管理理念，经营风险高    4
4.3.3  中小企业的规模和信用水平低下，制约其融资能力    4
4.3.3  缺少可供担保抵押的财产，融资成本高    5

5.新常态下中小企业融资对策    5
5.1  拓宽融资渠道    5
5.2发挥政府职能，改善中小企业融资的宏观政策环境    6
5.2.1深化金融体制改革，增强金融机构对中小企业的支持能力    6
5.2.2设立政府扶持资金    6
5. 3 中小企业提高自身素质    6
6结论    7
参考文献    8
致  谢    9 [来源：http://think58.com]