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内容摘要目前，诸多因素制约着创业型企业的发展，其中融资困难是一个突出问题。由于我国创业型企业以内源融资为主,民间借贷融资活跃,很难从银行获得贷款,也难以从股票市场和债券市场获得融资,国家政策对支持创业型企业融资的力度也不足,创业型企业融资难长期以来一直是制约创业型企业发展的瓶颈。所以，创业型企业必须根据自身情况,广辟融资渠道,充分利用内源融资、股权出让融资、银行担保贷款、典当融资、金融租赁、吸引风险投资和民间融资、利用自身商业信用融资等方式来解决资金瓶颈。而商业信用作为一种具有悠久发展历史的融资模式，是创业型企业在众多融资渠道中取得营运资金的重要条件。本文通过论述商业信用融资的内涵及其本质特征，通过对商业信用融资的优越性、融资风险及其融资方法和条件的分析研究，来提醒广大创业型企业应如何运用商业信用融资，加强对商业信用融资的管理，以尽可能实现融资成本最低、融资额度适合、融资多元化和融资低风险的目标，实现股东价值和企业价值最大化。来帮助我国创业型型企业缓解融资难的困境。关键词：融资困难融资模式中小企业融资Currently,manyfactorsrestrictingthedevelopmentofinnovativeSMEs,includingfinancingdifficultiesisaprominentproblem.SincethesourceofSMEfinancingwithinthemainactiveprivatelendingfacility,itisdifficulttoobtainloansfromthebank,itisdifficultfromthestockandbondmarketstoobtainfinancingtosupportthenationalpolicyonSMEfinancingtooweak,long-termfinancingofSMEshasbeenabottleneckrestrictingthedevelopmentofSMEs.Therefore,SMEsmustbebasedontheirowncircumstances,broadenthefinancingchannels,makefulluseofinternalfinancing,equitygrantfinancing,banksecuredloans,mortgagefinancing,financialleasing,attractingventurecapitalandprivatefinancing,usingitsowncommercialcreditfinancingandotherwaystosolvethefinancialbottlenecks.ThecommercialcredithasalonghistoryasafinancingmodelisinnovativeSMEsinanumberofchannelstoobtainworkingcapitalfinancinganimportantcondition.Thispaperdiscussesthe商业信用融资在创业型企业中的运用connotationandcommercialcreditfinancingessentialcharacteristics,throughtheadvantagesofcommercialcreditfinancing,financingrisksandfinancingmethodsandconditionsoftheanalysis,toremindthemajorityofSMEsonhowtousecommercialcreditfinancingtostrengthenthecommercialcreditfinancemanagement,totheextentpossibletoachievethelowestcostfinancing,financingfacilitiessuitablefinancingandfinancinglow-riskdiversificationobjectivesandrealizeshareholdervalueandmaximizeenterprisevalue.Tohelpeasethefinancingdifficultiesofsmallandmediumenterprisespredicament.Keywords:financingdifficultiesfinancingSMEfinancing商业信用融资在创业型企业中的运用目录商业信用融资在创业型企业中的运用...........................................................................................................1一、商业信用融资的概述.......................................................................................................................3(一)商业信用融资的概念及类别.......................................................................................................31、应付账款.....................................................................................................................................32、预收账款.....................................................................................................................................33、应付票据.....................................................................................................................................34、票据贴现.....................................................................................................................................4(二)商业信用融资的特点及局限性...................................................................................................41、商业信用融资的特点.................................................................................................................42、商业信用融资的局限性.............................................................................................................4(三)商业信用融资对创业型企业的作用...........................................................................................51、对于供应商来说.........................................................................................................................52、对于零售商来说.........................................................................................................................53、对于债券人来说.........................................................................................................................54、对于债务人来说.........................................................................................................................5二、商业信用融资的有关分析...............................................................................................................6(一)商业信用融资的优势分析...........................................................................................................61、资金获取简便、灵活.................................................................................................................62、融资成本相对较低.....................................................................................................................63、一般无须担保.............................................................................................................................64、可以长期利用.............................................................................................................................7(二)商业信用融资的劣势分析...........................................................................................................71、融资来源和规模受到限制.........................................................................................................72、融资期限较短，但可实现长期利用.........................................................................................7(三)商业信用融资的