我国小微企业融资问题研究——以成都地区的小微企业为例

南京师范大学中北学院本科毕业论文我国小微企业融资问题研究—以成都地区的小微企业为例development in the past,traditional enterprises have come close to saturation.At this time,small and micro enterprises have become an important chess piece to improve the speed ofnational economic development.It can effectively solve the employment problem ofunemployed people,is an important force to overcome poverty and promote the healthy andstable development of social economy.Nevertheless,there are still some problems to besolved if small and micro enterprises are to continue to develop well:small and microenterprises are born from their own businesses,so the scale is small,credit problems oftenarise,and because they are self-employed.Therefore,there are few assets to mortgage andlack of professional team management.And because of this,also produced the biggestproblem:financing expensive,financing difficult.Credit is low,risk is big,professional is notstrong and so on these factors are small and micro enterprises in the financing road stumblingblock,therefore,in order to promote the development of small and micro enterprises,wemust first solve the financing problem --the first step.Taking many small and microenterprises in Chengdu Tianfu New District as an example,this paper tries to analyze the rootcauses of the difficulty of financing for small and micro enterprises.At the same time,combined with the management experience,development methods and research results ofsuccessful small and micro enterprises at home and abroad,this paper puts forward somesuggestions and suggestions on the future development of small and micro enterprisesthrough their own reasons,guiding financing policies and market operation methods.Keywords:small and micro enterprises,financing difficulties,financing strategies