我国中小企业融资机制缺陷探析

An Exploration of the Defect in Financing Mechanism for the Small and Medium-sized Enterprises'

我国中小企业的发展正面临严重的融资困难。该困难主要源于我国中小企业融资机制存在以下缺陷:一是部分中小企业产权模糊;二是众多中小企业信用水平低下;三是金融机构体系不够健全;四是货币市场、资本市场与信用担保市场不够完善;五是金融政策、税收政策不够合理。要想使我国中小企业摆脱融资困境,必须进行综合治理。

A serious financing dilemma is confronting the small and medium-sized enterprises(SMES). The dilemma mainly lies in the following five aspects: first,the blur property right in some SMEs; the second, the low credit level in considerable SMEs; the third, the unsound financing system; the forth, the incomplete monetary market, capital market and guarantee market; the fifth, the irrational financial and tax policies. To free China's SMEs from financing dilemma, we have to carry out the comprehensive reform.