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1、AbstractThefinancingproblemisaseriousproblemintheprocessofthedevelopmentofsmallandmicroenterprises,usuallybundledwithSMEfinancingchannelsforenterprises,butmedium.sizedenterprisesfinancingchannelsaremuchmorethanthesmallandmicroenterprises,theproblemis
2、alsoverydifferent:Chinahashugefundinggapinthesmallandmicroenterpriseswhilesmallandmicroenterprisesbelongtovulnerablegroupsinollrcountry’Seconomyandunderthevariousformsofdiscrimination.Evenifsmallandmicroenterprisesarewillingtobearthehilgherinterestra
3、tes。theyarealsodifficulttoobtainloansfromfinancialinstitutions.Mostoftheremainingfundinggapcanbemadeuponlythroughprivatelending.China'scommercialbanks,asamajorsupplieroffundsinthemarkettoday,hasbeeninanegativeattitudetoloanstosmallandmicroenterprises
4、.Thispaperfirstcomparesthefinancingchannelscurrentlyexistinthemarketforavarietyofsmallandmicroenterprises,thenanalysesandcomparesthevariousfinancingmethodsandtheapplicabilityofsmallandmicroenterprises.Thenitmakesfurtheranalysisandresearchforthefinanc
5、ingchannelthatshouldvigorouslydevelop.Finallyitprovidessomeadvices.Thefinancingdifficultyofsmallandmicroenterprisesisaglobaleconomicproblem,researchinthisareaisnottoomuch.Throughdiscussionwithseveralteachersandstudentsandresearchduringthewinterholida
6、y,ifeeltheimportanceofsolutiontothecurrentsmallandmicroenterprisesfinancingdilemma.ThispaperpresentssomeoftheVieWSandsuggestions,andihopetobeabletomakesomecontributioninthecontradictionbetweensupplyanddemandoffundsofsmallandmicroenterprisesinChina.Ke
7、ywords:smallandmicroenterprises,financingchannelresearch,smallloancompany目錄第1章導(dǎo)論????????????????????????l1.1背景與意義??.?.......?.........???.???..11。2研究內(nèi)容與方法?.??????????????21,2.1研究內(nèi)容.??.??.??...??...?...???.?..21.2.2研究方法.??....?...??.??.?????.?....21.3
8、研究思路與創(chuàng)新點??????????????..3第2章小微企業(yè)融資相關(guān)理論及研究綜述??????.42.1小微企業(yè)概念的界定?.????????????..42.2小微企業(yè)融資背景分析?????.??.?????..52.3小微企業(yè)融資文獻綜述?????.?.??????..72.3.1國外文獻綜述.?.??.??.??.??.?????...72.3.2國內(nèi)文獻綜述.?.??,??....?....????....?...8第3章小微企業(yè)融資現(xiàn)狀及主要渠道比較???????????93.1小