对中小企业融资方法研究.doc

摘要：市场经济体制下，企业融资结构是企业理财的关键环节。融资成本是影响企业融资方式选择的一个最重要因素，对融资成本的分析将为企业的融资决策提供有力依据。

在现有金融体制和法律环境下，由于有些企业的信用和信用担保体系还很不健全，缺乏多层次的资本市场体系，加上企业自身业务发展不明确、财务制度不规范、抗风险能力差、融资需求“急、频、少、高”等特点，造成各种企业在发展过程中很难得到外部融资的支持。

因此，论文将会在综合分析我国各类型企业发展现状和可选择的融资方式的基础上，进一步分析融资成本对融资方式选择的影响因素，并通过比较不同类型企业在融资方式的选择进行对比分析，从而有针对性的提出解决我国企业融资难问题的对策，以缓解我国企业的融资障碍。

关键词：融资； 现状；原因；对策

Abstract：In the market economic system, corporation’s finance structure is a key to the corporation’s finance. The cost of financing is one of the most important factors that affect financing options which provide a strong basis for analysis of the cost of financing for the corporate financing decisions.

Existing financial system and legal environment is not complete due to some corporate credit and credit guarantee system, the lack of multi-level capital market system, coupled with corporate business development is not clear, the financial system is not standardized, risk-resisting ability is poor financing needs "urgent, frequent, small, high features, resulting in a variety of difficult to get the support of external financing in the development process.

Therefore, the paper will be based on comprehensive analysis of various types of development status and alternative means of financing the further analysis of selected factors affecting the financing costs of financing, and were analyzed by comparing different types of business financing options, which has targeted solutions to all types of enterprises in China the problem of financing the measures, in order to ease the financing obstacles of Chinese enterprises.

Key words: financing；current situation ；reason；solution

企业融资渠道分析是顺应企业在竞争环境中生存和发展需要的，本论文根据各种类型公司，研究出不同种类的融资渠道。结合时事案例，针对当前金融制度和企业融资渠道目前的现状提出相应的对策，尽管我国企业在融资方面面临着融资渠道窄的难题，但是通过企业自身发展经验的累积和国外企业融资经验的借鉴，再加上我国国内市场法制环境和证券市场建设的逐步完善，我们有理由相信，我国中小企业融资渠道窄的问题在未来的几年内还是有可能得到解决的。未来根据市场不断发展，企业对融资渠道的进一步研究，我国企业会选择适合自己的融资渠道来发展和壮大。