摘要中小企业在我国经济开展过程中做出了巨大的奉献，例如吸纳就业人口，降低失业率，增加人民平均收入等。而中小企业的开展并非一帆风顺，在曲折中开展，例如中小企业的核心竞争力较弱，市场规模小，融资渠道狭窄，不利于投资与扩大规模开展。故，分析中小企业融资过程中的难点及解决对策具有深远的理论意义和实际意义。融资难的成因包括国家体制，银行、金融业等经济支持以及中小企业自身的完善和革新。解决对策也应是政府政策扶持和信贷机构完善标准与中小企业提高自身核心竞争力共同合作开展，最终促进市场经济的和谐与稳定。关键词：中小企业、融资、银行AbstractSmallandmedium-sizedenterprisesinChinaisanimportantpartoftheeconomy,isanewgrowthpointofnationaleconomy.TheSMEfinancingchannelisnarrow,financingisnotanidealresult.Therefore,analysisofthecausesofthefinancingofSME,hasimportanttheoreticalsignificanceandpracticalsignificance.Thecausesoffinancingdifficultiesincludingthestatesystem,banksandsmallandmedium-sizedenterprises.Countermeasuresshouldbegovernmentpolicysupportandimprovethestandardcreditinstitutionsandsmallandmedium-sizedenterprisestoimprovetheircorecompetitivenessofjointdevelopment,andultimatelypromotetheharmonyandstabilityofthemarketeconomy.Keywords:smallandmedium-sizedenterprises,financing,bank目录TOC\o"1-3"\h\z\uHYPERLINK\l"_Toc481566055"摘要IHYPERLINK\l"_Toc481566056"AbstractIIHYPERLINK\l"_Toc481566057"目录IIIHYPERLINK\l"_Toc481566058"一、绪论1HYPERLINK\l"_Toc481566059"〔一〕研究背景和意义1HYPERLINK\l"_Toc481566060"1.研究背景1HYPERLINK\l"_Toc481566061"2.研究意义1HYPERLINK\l"_Toc481566062"〔二〕研究综述1HYPERLINK\l"_Toc481566063"〔三〕研究方法1HYPERLINK\l"_Toc481566064"〔四〕相关概念界定2HYPERLINK\l"_Toc481566065"1.融资2HYPERLINK\l"_Toc481566066"2.中小企业2HYPERLINK\l"_Toc481566067"二、中小企业融资的现状2HYPERLINK\l"_Toc481566068"〔一〕我国中小企业渠道狭窄2HYPERLINK\l"_Toc481566069"〔二〕中小企业通过银行贷款融资难度很大3HYPERLINK\l"_Toc481566070"〔三〕非正规金融组织占比重较大3HYPERLINK\l"_Toc481566071"〔四〕资产规模对银行贷款融资起决定性作用3HYPERLINK\l"_Toc481566072"三中小企业融资问题分析3HY...
