西安培华学院本科毕业论文（设计）温州中小型企业融资难问题及其解决途径研究PAGEIV温州中小型企业融资难问题及其解决途径研究摘要资金是企业运行的血液，资金能否正常的循环流通决定着企业的生存和发展，对于中小型企业众多的温州地区来说更加需要资金的支持。近年来温州中小型企业融资难的情况越发严重，该如何更好的解决这个难题成了企业生存和发展的关键。本文以温州中小型企业为研究对象，分析了融资难的主要原因在于企业、金融和政府三个层面。最后通过理论经验和实际的相结合提出相应的解决途径，分别是提高企业自身素质、完善金融体系、加强政府扶持力度和规范民间融资四个方面，从而实现温州中小型企业健康快速发展的目标。关键字:中小企业；温州；融资现状；原因；对策Theresearchoffinancingdifficultproblemandsolutionofsmallandmedium-sizedenterprisesinWenzhouAbstractThecapitalisthebloodofthebusinessoperation,whetherthecapitalcancirculatenormallydeterminesthesurvivalanddevelopmentofenterprises,forWenzhouwhereexistsmanysmallandmedium-sizedenterprisesneedsmorefinancialsupport.Thefinancingdifficultiesofsmallandmedium-sizedenterprisesinWenzhouaremoreandmoreseriousinrecentyears,howtosolutethisproblemwellhasbecomethekeyofenterprises’survivalanddevelopment.Thispaper,takingtheanalysisofsmallandmedium-sizedenterprisesinWenzhouforobjecttoresearch,analyzingthemaincausesoffinancingdifficultiesarethreelevelsatenterprise,financeandgovernment.Finally,puttingforwardthecorrespondingcountermeasuresbycombiningtheoreticalexperiencewithactualitytoachievethegoalofhealthyandrapiddevelopmentofsmallandmedium-sizedenterprisesinWenzhouisfourareas:improvingthequalityofprivateenterprises,reformingthefinancialsystem,strengtheningthesupportfromthegovernment,standardingprivatefinancial.Keywords:smallandmedium-sizedenterprises;Wenzhou;financingstatus;cause;countermeasure目录TOC\o"1-3"\h\uHYPERLINK\l_Toc941绪论PAGEREF_Toc941HYPERLINK\l_Toc66211.1研究背景PAGEREF_Toc66211HYPERLINK\l_Toc319631.2研究目的和意义PAGEREF_Toc319631HYPERLINK\l_Toc323541.3文章框架PAGEREF_Toc323541HYPERLINK\l_Toc39552温州中小型企业融资现状分析PAGEREF_Toc39552HYPERLINK\l_Toc71062.1融资成本分析PAGEREF_Toc71062HYPERLINK\l_Toc304682.2主要融资渠道分析PAGEREF_Toc304683HYPERLINK\l_Toc267823温州中小型企业融资难的原因分析PAGEREF_Toc267825HYPERLINK\l_Toc158423.1温州中小型企业自身素质不高PAGEREF_Toc158425HYPERLINK\l_Toc254223.1.1温州中小型企业经营稳定性差，信用观念缺失