摘要:在这个经济快速发展的现今社会中，资金是任何企业发展的最基本要素之一。在我国的企业发展过程中，资金融通一直是严重影响企业发展的重要因素，同时约束着我国企业的进步和成长，企业面对的融资困境成为阻碍企业发展的难题，也对我国经济造成一定的影响。解决融资问题已成为我国企业，甚至各国企业的首要任务。

　　　顺德被誉为鱼米之乡，个体渔业是顺德产业的重要组成部分，对顺德经济起着举足轻重的影响，个体渔业和其他企业同样面对着融资的难题，而个体渔业和其他企业不同的融资的方式和风险给个体渔业带来不一样的困境。本文将从个体渔业的融资结构分析融资难题，并结合顺德个体渔业的实际情况提出解决融资困境的对策。

关键词: 个体渔业,农贷，融资,困境，对策

Abstract:In this rapid economic development of modern society, the fund is any enterprise development of the most essential elements of. In the process of enterprise development in our country, the financing has been seriously affect the development of the enterprise important factors and binding the our country business enterprise of progress and growth, enterprise financing difficulties facing an obstacle of the development of the enterprise difficult problem, also to our country economy caused by certain effect. Solve financing has become our country enterprise, even countries, the primary task of the enterprise.

Shunde is known as the land of fish and rice, individual fishery is shunde industry important part of shunde economy plays a very important influence, individual, fishery and other enterprise also face the financing difficulties, and individual fishery and other enterprises of different financing ways and risk to the individual fishery bring trouble. This paper from the individual financing structure analysis of fishery financing problems, and combining with the actual situation of shunde individual fishery put forward the countermeasures of solving financing difficulties.

Key Words：Individual fishery, agricultural credit， financing, dilemmas，countermeasure

个体渔业的发展已经有一段很长的历史，特别是人们以养鱼为生的顺德，在顺德经济中的地位越来越重，但个体渔业却一直不能成为顺德大多数农民的致富之路，个体渔业的发展和发展中遇到的问题未能引起国家和社会的重视和关注，当中融资的困难是个体渔业发展难的最重大问题。所谓融资，指的是一个企业的资金筹集的行为与过程。也就是公司根据自身的生产经营状况、资金拥有的状况，以及公司未来经营发展的需要，通过科学的预测和决策，采用一定的方式，从一定的渠道向公司的投资者和债权人去筹集资金，组织资金的供应，以保证公司正常生产需要，经营管理活动需要的理财行为。