摘要:中小企业融资难问题是当前各中小企业普遍存在且又难以解决的问题，企业的发展离不开足够的资金支持，而中小企业由于自身和外部的一些因素，难以得到外界的认可，导致中小企业的融资之路困难重重，这也极大地制约了中小企业的发展。近些年来，随着中小企业的经济地位不断提高，我国也逐渐加大了对中小企业的扶持，各地政府也相继出台政策扶持中小企业。本文将以汕头中小企业为研究对象，结合汕头当地的经济发展特点，分析汕头中小企业自身及外部环境所存在的问题，探索出适合汕头中小企业发展的一条道路。

关键词:中小企业，融资，汕头

Abstract:The problem of financing small and medium-sized enterprises is the prevalence of small and medium enterprises and it is a difficult problem to solve.Enterprise's development is inseparable from the sufficient funds to support,because of their own and external factors,it is difficult to get endorsements.This led to the financing of small and medium-sized enterprises road is very difficult.This has greatly restricted the development of small and medium-sized enterprises.In recent years, with the small and medium-sized enterprises economic position rises ceaselessly,our country also gradually to increase support for the small and medium-sized enterprises, local governments also have promulgated policies to support small and medium enterprises.This article will take Shantou small and medium-sized enterprises as the research object,combining with the local economic development of Shantou characteristic,analysis of Shantou small and medium-sized enterprise oneself and external environment problems and exploration for the development of Shantou medium and small businesses of a road.

Key Words：Small and medium enterprises, Financing, Shantou

　　　企业的发展需要大量的资金，就需要通过银行或者其他融资机构来获取资金。银行的贷款对象主要是大企业、大项目、重点客户、重点行业。但是由于中小企业规模小、财务制度不健全、抵押品不足、经营风险高、社会信誉偏低等原因，无法获得银行的信任，难以从银行取得贷款。而其他的融资机构由于数量少，提供资金的能力也有限，所以无法为大量的中小企业提供资金。

　　　中小企业融资难问题长期制约着中小企业的发展，所以如何扶持各类中小企业的发展，帮助中小企业解决融资难问题，已成为当前一项刻不容缓的任务。