中小企业融资难及其缓解路径

The Small to Medium Enterprises' Difficulty in Raising fund and the Route to Relief

市场失灵与金融机构定位缺失以及制度安排不当,是我国中小企业融资难的重要原因。要使我国中小企业融资难问题得到缓解,需要有新视野:一是要转换观念,实现金融信贷管理方式创新;二是要完善金融体制,整合金融机构,发展民间金融,为中小企业的发展提供多种融资渠道。

Market dysfunction, shortage of financial system positioning and improper policy arrangement are the main causes of the small to medium enterprises' difficulty in raising fund in our country. New horizon is needed to relief it: first of all, changing concept is important to realize the innovation of financial credit management. Secondly, optimizing financial system, integrating financial institutions, develop local finance are core issues to provide multi fund raising methods to small to medium enterprises.