我国金融市场经济货币化以及金融深化水平较高,金融机构品种齐全,初步形成了较为完整的金融市场,金融衍生品市场也在不断扩大。融资结构已较为完整,其中国内非金融机构部门的融资占据主导地位,居民仍然是我国主要资金的融出者,但开始从单纯储蓄存款转变为银行债权、基金、股票、理财、保险等为主的融出渠道。我国金融市场仍存在部分主体的融资需求仍无法得到满足,银行在金融结构中承担风险高,利率市场未完成,缺乏必要的监管网络渠道,金融市场乱象频繁等问题。当前,金融衍生品大量涌现,形成了包括内部资本、政府财政资本、银行借贷资本、非金融机构资本、民间资本、其他法人资本、非大陆资本在内的融资渠道,企业筹资方式包括投入资本融资、债权融资、股权融资、私募融资、并购融资、融资租赁、信用融资、质押融资等。对于符合地区内竞争并不激烈、符合条件的企业而言,争取政府专项基金的扶持不失为一种选择。低于上市标准、有较大发展潜力的企业可通过新三板筹资。随着民间借贷的规范化,相关法律等配套制度的完善,民间借贷有望成为中小企业筹资的形式之一。互联网渠道融资为中小企业开辟了新的筹资捷径,适合有优势项目,被大众认可、有销售利润的企业。 The monetization of financial market economy in our country and the deepening of financial deepening, the full range of financial institutions, initially formed a relatively complete financial market, and the financial derivatives market is also constantly expanding. The financing structure is relatively complete. Among them, the financing of domestic non-financial institutions dominates. Residents are still the major contributors to China’s financial resources. However, the transition from simple savings deposits to bank claims, funds, stocks, wealth management and insurance The melting channel. China’s financial market still has some subjects such as the financing needs still not being met, banks in the financial structure to assume high risk, the interest rate market is not completed, the lack of the necessary regulatory network channels, financial markets chaos and so on. At present, a large number of financial derivatives emerge, forming a financing channel including internal capital, government financial capital, bank lending capital, non-financial institution capital, private capital, other legal person capital and non-mainland capital. The financing methods of enterprises include investing capital financing , Debt financing, equity financing, private equity financing, M & A financing, financial leasing, credit financing, pledge financing and so on. In line with the competition in the region is not fierce, eligible enterprises, fight for government support special fund is an option. Below the listing standard, enterprises with great potential for development can raise funds through the new board. With the standardization of private lending and the improvement of relevant laws and other supporting systems, private lending is expected to become one of the forms of financing for small and medium-sized enterprises. Internet channel financing has opened up new financing shortcuts for SMEs, and is suitable for enterprises that have superior projects, are recognized by the public and have sales profits.