中国中小企业融资发展报告

中小企业是推动经济增长、促进就业和社会稳定的重要力量。然而，由于其规模相对较小、信息透明度低、经营风险大等特点，中小企业在融资过程中常常面临诸多障碍。随着全球经济环境的不断变化和国内经济结构的调整，特别是在经济下行和市场竞争加剧的背景下，中小企业融资难、融资贵的问题更加凸显。本报告旨在通过系统梳理2024年中小企业的融资规模、融资途径、资金用途及融资趋势等数据，多维度展开统计分析，全方位呈现中小企业融资市场的实际情况与发展趋势，为政府、金融机构、中小企业等各方提供参考，共同推动中小企业融资环境的改善和发展。本次报告主要数据源自微风企中小企业数据研究院和新华社研究院中国企业发展研究中心的专业数据库，双方在企业信息整合与分析领域拥有深厚的积累与先进的数字技术能力，确保了数据的广泛覆盖性与较高准确性。同时，为增强数据的权威性，本报告还融合了国家统计局、金融监管机构等官方渠道发布的权威数据，这些官方数据不仅为报告提供了宏观经济背景与行业政策导向的坚实支撑，还确保了融资市场规模、增长率及结构等关键指标的量化分析结果具备高度的公信力与科学性。本次报告选取1001358家中、小型企业 作为分析对象（以下简称中小企业），样本群体覆盖86个二级行业 、31个省市地区的企业，取值时间范围为2021年至2024年，通过采用定量分析、定性分析、比较分析等方法，确保分析结果的适用性与深入性。INTRODUCTION引言2.样本行业参考《国民经济行业分类》（GB/T4754-2017）划分标准进行划分1.样本中小企业根据国家统计局《统计上大中小微型企业划分办法(2017)》（国统字〔2017〕213号）划分的中型、小型企业。 本《报告》内容丰富，实时性强，信息量大，数据详实，图文并茂，是国内各界人士认识、了解、研究中国中小企业融资发展状况的宝贵资料，可以作为国内中小企业进行市场分析决策的依据，将为政府、金融机构、中小企业等各方提供决策参考。衷心地希望本《报告》能够为推动我国中小企业融资发展发挥积极地促进作用。参加本《报告》策划选题、编审、编写、编辑绘图等工作人员有张利民、尹杰、潘成挺、何晓亮、曾亮亮、杨曼姝、关佳浩、钟红义、刘江巍、杨琦、张中一、张文会、殷勤、王丹、翁丹娜、杨诗情、魏晋山等。《报告》编写过程中，得到了众多企业和业界专家学者们的热情指导参与，在此一并致谢。新华社研究院中国企业发展研究中心微风企中小企业数据研究院二〇二五年于杭州 第一章 中小企业融资环境分析一、中小企业经济运行分析··································································································（一）中小企业经济运行特征·····································································································································（二）中小企业融资运行特征·····································································································································二、中小企业融资政策支持···································································································（一）中小企业融资政策梳理·····································································································································（二）中小企业融资政策导向·····································································································································第二章 中小企业融资发展质量分析一、中小企业基本情况········································································································二、中小企业发展质量分析··································································································（一）中小企业规模总量·············································································································································（二）中小企业行业分布············································································································································（三）中小企业区域分布············································································································································第三章 中小企业融资市场概况一、中小企业融资规模现状··································································································二、中小企业融资规模分析··································································································（一）融资规模行业案例分析······································································································································（二）融资规模区域案例分析·····································································································································第四章 中小企业融资途径分析一、中小企业融资途径分类··································································································二、中小企业借贷融资分析··································································································（一）借贷融资行业分布情况······································································································································（二）借贷融资区域分布情况·····································································································································三、中小企业资本投入分析··································································································（一）资本投入行业分布情况·······································································································································（二）资本投入区域分布情况······································································································································· 020405050710131010111515151824252529343438 第五章 中小企业融资方式分析一、中小企业融资方式分类··································································································二、不同融资方式行业分布情况····························································································（一）短期债务融资行业分布······································································································································（二）长期债务融资行业分布······································································································································三、不同融资方式区域分布情况····························································································（一）短期债务融资区域分布······································································································································（二）长期债务融资区域分布·····································································································································第六章 中小企业融资用途现状总结一、中小企业资金使用现状···