摘 要
中小企业债权融资难问题是制约其发展的重要因素，随着经济结构转型与金融体制改革的深入，该问题愈发凸显。本研究旨在探讨中小企业债权融资难的成因并提出切实可行的解决路径，以期为缓解中小企业融资困境提供理论支持和实践指导。通过对国内外相关文献的系统梳理，结合我国中小企业的实际运营状况，采用定性分析与定量分析相结合的方法，从企业自身、金融机构以及外部环境三个维度剖析了中小企业债权融资难的原因。研究发现，企业内部治理结构不完善、财务信息透明度低、抵押物不足是导致融资难的主要内部因素；而金融机构风险偏好保守、信贷政策偏向大型企业则是外部阻碍的关键所在。此外，信用担保体系不健全、法律法规保障缺失等外部环境因素也加剧了这一问题。
关键词：中小企业债权融资 融资难成因 内部治理结构
Abstract
The difficulty of debt financing of small and medium-sized enterprises is an important factor restricting their development. With the deepening of economic structure transformation and financial system reform, this problem is becoming more and more prominent. The purpose of this study is to explore the causes of SME debt financing difficulties and propose feasible solutions to provide theoretical support and practical guidance for alleviating the financing difficulties. Through the systematic combing of the relevant literature at home and abroad, combined with the actual operation status of small and medium-sized enterprises in China, and using the combination of qualitative analysis and quantitative analysis, the reasons for the debt financing difficulties of small and medium-sized enterprises are analyzed from the three dimensions of enterprises themselves, financial institutions and external environment. It is found that the imperfect internal governance structure, low financial information transparency and insufficient collateral are the main internal factors leading to financing difficulties, while financial institutions' conservative risk appetite and biased credit policies for large enterprises are the key to external obstacles. In addition, the external environmental factors such as the imperfect credit guarantee system and the lack of legal and regulatory guarantee also aggravate this problem.
Keyword:Debt Financing Of Small And Medium-Sized Enterprises Causes Of Financing Difficulties Internal Governance Structure
目 录
1绪论 1
1.1中小企业债权融资难的背景与意义 1
1.2国内外研究现状综述 1
1.3研究方法与技术路线 1
2中小企业债权融资难的成因分析 2
2.1宏观经济环境的影响 2
2.2金融机构信贷政策限制 2
2.3中小企业自身经营特点 3
2.4信用担保体系不完善 3
3中小企业债权融资难的具体表现 4
3.1融资渠道狭窄问题 4
3.2贷款审批流程复杂 5
3.3融资成本过高现象 5
3.4资金使用效率低下 6
4解决中小企业债权融资难的路径 6
4.1构建多元化融资体系 6
4.2完善信用评价机制 7
4.3创新金融产品和服务 7
4.4加强政策支持保障 8
结论 8
参考文献 10
致谢 11
中小企业债权融资难问题是制约其发展的重要因素，随着经济结构转型与金融体制改革的深入，该问题愈发凸显。本研究旨在探讨中小企业债权融资难的成因并提出切实可行的解决路径，以期为缓解中小企业融资困境提供理论支持和实践指导。通过对国内外相关文献的系统梳理，结合我国中小企业的实际运营状况，采用定性分析与定量分析相结合的方法，从企业自身、金融机构以及外部环境三个维度剖析了中小企业债权融资难的原因。研究发现，企业内部治理结构不完善、财务信息透明度低、抵押物不足是导致融资难的主要内部因素；而金融机构风险偏好保守、信贷政策偏向大型企业则是外部阻碍的关键所在。此外，信用担保体系不健全、法律法规保障缺失等外部环境因素也加剧了这一问题。
关键词：中小企业债权融资 融资难成因 内部治理结构
Abstract
The difficulty of debt financing of small and medium-sized enterprises is an important factor restricting their development. With the deepening of economic structure transformation and financial system reform, this problem is becoming more and more prominent. The purpose of this study is to explore the causes of SME debt financing difficulties and propose feasible solutions to provide theoretical support and practical guidance for alleviating the financing difficulties. Through the systematic combing of the relevant literature at home and abroad, combined with the actual operation status of small and medium-sized enterprises in China, and using the combination of qualitative analysis and quantitative analysis, the reasons for the debt financing difficulties of small and medium-sized enterprises are analyzed from the three dimensions of enterprises themselves, financial institutions and external environment. It is found that the imperfect internal governance structure, low financial information transparency and insufficient collateral are the main internal factors leading to financing difficulties, while financial institutions' conservative risk appetite and biased credit policies for large enterprises are the key to external obstacles. In addition, the external environmental factors such as the imperfect credit guarantee system and the lack of legal and regulatory guarantee also aggravate this problem.
Keyword:Debt Financing Of Small And Medium-Sized Enterprises Causes Of Financing Difficulties Internal Governance Structure
目 录
1绪论 1
1.1中小企业债权融资难的背景与意义 1
1.2国内外研究现状综述 1
1.3研究方法与技术路线 1
2中小企业债权融资难的成因分析 2
2.1宏观经济环境的影响 2
2.2金融机构信贷政策限制 2
2.3中小企业自身经营特点 3
2.4信用担保体系不完善 3
3中小企业债权融资难的具体表现 4
3.1融资渠道狭窄问题 4
3.2贷款审批流程复杂 5
3.3融资成本过高现象 5
3.4资金使用效率低下 6
4解决中小企业债权融资难的路径 6
4.1构建多元化融资体系 6
4.2完善信用评价机制 7
4.3创新金融产品和服务 7
4.4加强政策支持保障 8
结论 8
参考文献 10
致谢 11
