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自2013年出现了“史上最难就业季”之后,每一年大学生就业压力都在不断升高。大学生创业越来越得到关注,大学生在创业过程中会遇到各类问题,资金问题无疑是其面临的重要问题之一。本文通过对相关文献的梳理,归纳出通过亲朋好友、金融机构、金融市场以及政府高校等四种主要的融资渠道,分析得出渠道狭窄、能力不强、国家政策未有效运行、银行信贷困难、高校创业教育不足与信息不对称是导致大学生创业融资难的主要原因,并进行简要评述。
Since 2013, there has been “the hardest job season in history,” and the employment pressure on graduates is on the rise each year. Graduates get more and more attention, college students in the process of entrepreneurship will encounter all kinds of problems, funding problems is undoubtedly one of the important issues facing it. This paper concludes the four main financing channels through family and friends, financial institutions, financial markets and government colleges and universities through analyzing the relevant literature, and concludes that the narrow channels, the weak ability, the ineffective operation of national policies, the difficulty of bank credit, The lack of entrepreneurship education and information asymmetry in colleges and universities are the main reasons leading to college students’ financing difficulties and make a brief comment.