河南省中小企业资本结构与融资问题分析

Analysis on Financing and Capital Structure of Small—Medium Sized Enterprises in Henan Province

中小企业是拉动国民经济持续增长的重要力量，对扩大就业、促进出口以及技术创新有着极其重要的作用，因此，必须要十分重视中小企业的发展问题。河南中小企业在发展中遇到的最大问题就是筹资渠道狭窄，资金需求严重不足，融通资金难度大，从而造成其出现资产负债率偏高，流动比率过低、流动负债与总负债率过高的局面。不合理的资本结构，导致了河南中小企业财务状况极不稳定，严重制约其生存和发展。应采取的对策是：完善中小企业信用体系，健全信用担保体系，同时商业银行应尽快转变营销观念，加强对中小企业的信贷支持。

With the function of expanding employment, promoting export and technology innovation, the small and medium—sized enterprises act as a huge power to the sustainable development of national economy. The small and medium—sized enterprises in Henan province, however, face the difficulties of financing and have to suffer a higher asset—liability ratio, lower liquidity ratio and higher ratio of current liability and total liability, which are harmful to the stable operation of business. The way—out lies in the perfect of credit system so as to win more support from banking industries.