摘要
中小企业作为我国经济发展的主力军,在促进经济繁荣发展,稳定增加就业,
推动企业改革创新等方面都发挥着十<分重要的作用。然而,在当前复杂的宏观经
济环境和稳健的货币政策调控政策背景下,中小企业的生存空间正在受到挤压。

企业总数占比超过99%的中小企业却仅仅占有不至!]20%金融资源,中小企业的贷款
满足率急待提高,融资难的问题再次凸显。因此,对中小企业融资难的问题进行
研究,并提出行之有效的政策建议,不论在理论上还是实践上,都具有十分重要 -
的意义。

在以往的诸多研究成果中,国内外专家学者大都从屮小企业自身不足,抵押
担保难、银企之间信息不对称等方面对中小企业融资难的成因进行研究。然而,
金融生态环境建设作为一种改善中小企业融资难的重要手段却往往被忽视。本文
选取LC市中小企业作为研究对象,运用文献调查法、问卷调查法、案例研究法和
规范分析法,创新或贡献之处在于:
一是从金融生态角度研究中小企业融资难问题,提出金融生态环境不健全是
制约LC市中小企业融资难的根源。

二是利用最新的统计资料和数据,首次对当前LC市金融生态环境进行了全
面、详尽的分析和研究。

三是从优化金融生态环境的视角,从监管部门、商业银行和政府职能三个方
面提出解决中小企业融资难的对策建议。

总之,本文从LC市中小企业的特点和结构入手,结合金融生态理论、MM理论、
信息不对称和优序融资等中小企业融资理论,对中小企业融资的现状,自身存在
的问题以及融资特点等进行分析,由现状陈述引出金融生态环境不完善是中小企
业信贷融资难的根源所在。最后,提出对策建议。但是鉴于本人知识有限,文中
一定有一些不完善的地方,敬请评审专家及答辩专家批评指正。本人将继续努力,
不断完善自己的知识结构。

关键词:金融生态中小企业融资
ABSTRACT
As an important component of China's economy, small and medium
enterprises(SMEs)have contributed to promoting the country's economic growth,
increasing government revenue and providing job opportunities. However, in the
background of complex macroeconomic environment and the sound of monetary policy,
the living space of SMEs enterprise suffers extruding. Accounting for over 99% of the
total number of enterprises, SMEs only consume less than 20% of the country's
financial resources. Credit adequacy is still in a low rate. The financing problems of
SMEs appeared again. For these,researching their problems and giving solutions are
theoretically and realistically important.
In the past the research, most of studies are focus on enterprise's own defects,
mortgage difficulties and information asymmetry which is between banks and
enterprises. However, financial ecological environment construction which is a kind of
SMEs to improve financing is often neglected. The paper selects SMEs of LC city as the
research object. The methods in the research are literature survey analysis,questionnaire
analysis, case analysis and normative analysis.
1、In view of financial ecological environment, the paper points out that the
financial ecological failure is the root of SMEs'credit financing difficulty.
2、Using the newest datum,the study analyses the situation of financial ecological
environment of LC city for the first time.
3、From the point of view of financial ecological environment, the paper explores
how departments of supervision and administration,commercial banks,as the
Government can joint the efforts to enhance the overall capacity and will of SMEs to
credit financing so that to ease the financing difficulty.
Based on the existing research, paper systematically summarizes the concept of
financial ecology. Applying of MM theory, information asymmetry and pecking order
theory, the study analyses the situation of financing of SMEs, the problems and
financing characteristics. The paper points out that the financial ecological failure is the
root of SMEs'credit financing difficulty, thus adding to existing studies explaining the
causes of SMEs'financing predicament. Finally,writer of the article offers suggestion.
Because of my limited knowledge, there are some deficient in this paper. Thanks for
professor's criticism, in the future I will continue to word hard and constantly improve
my own knowledge structure.
Key words: Financial Ecology; SMEs; Financing