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1、河南理工大学万方科技学院2012届本科生毕业论文（设计）浅论中小企业融资难问题摘要近年来，国务院人民银行银监会为了解决中小企业融资难的困境，出台了一系列支持中小企业发展的好政策，各大商业银行尤其是“立足农村服务中小企业”的银行机构为了贯彻国家支持中小企业的政策措施，也相应采取了对策，中小企业的经营环境可以说有了一个大的改观，也取得了一定成效。尽管如此，现阶段融资难任然是制约我国中小企业快速发展的重要因素，根据我国中小企业发展的特点和融资现状，探索多元化的融资渠道，进行融资的内外原因分析，提出中小企业加强信息披露，提高整体素质去解决我国中小企业融资问题具有非常重要的意义。中小企
2、业发展中面临的重大问题是融资难成为了几乎社会各界的基本共识。在目前通货膨胀率高，货币政策持续收紧的情况下，中小企业面临资金荒、电荒、原材料和劳动力成本上升等一系列困境，中小企业的生存难甚至难于2008年金融危机，如果国家不抓紧时机扶助，恐怕新一轮中小企业倒闭潮即将来临。关键词：中小企业融资解决方法II河南理工大学万方科技学院2012届本科生毕业论文（设计）AbstractInrecentyears,thePeople'sBankoftheStateCouncil,theCBRCinordertosolvethepredicamentoffinancingdifficultie
3、sofSmallandMediumEnterprises,theintroductionofaseriesofgoodpolicytosupportthedevelopmentofsmallandmedium-sizedenterprises,majorcommercialbanks,especiallytheservicesforSmallandMediumEnterprisesbasedontherural,ruralcreditcooperativesinordertoimplementthenationalsupportpolicymeasuresforSmallan
4、dMediumEnterprises,correspondingtotakecountermeasures,thebusinessenvironmentofSmallandMediumEnterprisescanbesaidtohaveamajorchange,butalsoachievedsomesuccessNevertheless,atthisstagedifficulttofinanceanycontingentisanimportantfactorintherapiddevelopmentoftheconstraintsofSmallandMediumEnterpr
5、isesinChinainternalandexternalreasons,accordingtothecharacteristicsofthedevelopmentandfinancingsituationofSmallandMediumEnterprisesinChina,toexploreawiderangeoffinancingchannels,financinganalysis,smallandmediumenterprisestostrengtheninformationdisclosuretoimprovetheoverallqualitytosolvethef
6、inancingproblemofgreatsignificance.smallandmedium-sizedenterprisedevelopmentinthemajorissuesfacingdifficultiesinfinancingthebasicconsensusofalmostallsectorsofsocietyinthecurrentinflationishigh,continuedtotightenmonetarypolicy,SmallandMediumEnterprisesarefacingafundingshortage,electricitysho
7、rtage,rawmaterialsandlaborcostsresealseriesofdifficulties,thesurvivalofSmallandMediumEnterprisesisdifficultorevendifficultfinancialcrisisin2008,ifthestatedoesnotseizetheopportunitytoassist,IamafraidthatanewroundofSMEclosuresaroundthecorner.Keywords:Small
