中小企业融资困境的经济学描述与对策选择

On the Financing Predicament of Medium-and-small-sized Enterprises

中小企业在我国国民经济中发挥着不可替代的作用,但恶劣的融资环境严重地制约甚至危及着中小企业的生存和发展。本文在对当前我国信贷市场用埃奇沃思方框图进行描述的基础上,着重剖析了导致我国信贷市场无法实现帕累托最优亦即中小企业陷入融资困境的原因,并给出了实现信贷市场实现帕累托改进、优化中小企业融资环境的具体对策。

On the basis of describing the current situation of credit market in China with Edgeworth＇ s block - diagram, this paper analyzes why credit market cannot realize the optimum, namely the reason of minor ——enterprises falling into financing predicament. Finally, the authors provide practical countermeasures for realizing the optimum and optimizing financial environment of minor-enterprises.