中小企业资金紧张的现状及对策.doc

摘要:改革开放以来，我国中小企业取得了很大的发展，中小企业成为国民经济的重要组成部分，在促进我国经济发展、增进就业、扩大出口等方面发挥了不可忽视且不可替代的作用。但是从总体而言，我国中小企业仍然是一个特殊的弱势群体，在与大企业的竞争中处于劣势，尤其在资金需求方面，中小企业对资金的需求不足，影响了中小企业的进一步发展，对中小企业来说，资金作为企业最主要的纽带，发挥着极其重要的作用，中小企业解决好资金来源就等于把握住了中小企业的生命线和生存线。在我国中小企业逐步向“做大、做强、做优”模式发展的背景下，中小企业解决资金需求问题的重要性就显得更加突出。本文将就我国中小企业资金紧张的现状来分析我国中小企业资金紧缺的原因，研究如何缓解我国中小企业资金紧张的现状，并进一步提出解决企业资金短缺问题的对策。

关键词： 中小企业，资金，紧张，对策

Abstract:Since the reform and open policy, our country small and medium-sized enterprise has achieved great development, SMEs have become an important part of the national economy, in promoting China's economic development, promote employment, expand exports and other aspects plays an indispensable and irreplaceable role. But from the overall, our country small and medium-sized enterprise is still a special vulnerable groups, in competition with large enterprises at a disadvantage, particularly in the capital demand, corporate demand for funds is insufficient, affected the further progress of the enterprise, to the enterprise, capital of enterprises as the main link, plays an extremely important role, enterprises solve the financing source is equivalent to seize the lifeline of the enterprise and live line. In the enterprise in our country gradually to "do big, do strong, do good" model development background, enterprises solve their financing needs the importance of the problem appears more outstanding. This article on China small and medium enterprise funds shortage of the status quo of China's small and medium enterprises causes of funds shortage, researches how to solve our country small and medium-sized enterprise funds tight situation, and further puts forward the countermeasure of problem of shortage of funds of enterprises

Key words：minor enterprise，funds，importance，counterplan

　　　我国中小企业发展过程是一个艰难的过程，要解决好中小企业资金紧张的问题，中小企业必须加强自身的全面管理，提高其自身素质，增强核心竞争力，加强对应收账款的管理，调整产品结构，加速资金周转等。其次，政府方面应加大对中小企业的扶持力度，弥补中小企业自身在市场上的不足。营造良好的社会环境。解决中小企业融资难的问题。我国中小企业发展体系目前还不够完整，所以我们必须努力完善中小企业经济环境，让中小企业能够持续、高效、良好发展起来，使我国中小企业在全国范围内蓬勃地发展起来。