中小企业融资制度的缺陷分析及矫正点选择

Analysis the Small and Medium-sized Enterprise Financial System Flaw and Rectifies Chooses on Time

股份制改造后,银行贷款逐渐成为中小企业发展规模、扩大投资的重要手段。在近年来的中小企业投资资金来源中,金融机构贷款占到了接近一半的比重。尽管如此,当前金融机构服务供给和中小企业服务需求之间的矛盾,仍导致了金融服务在数量上的不足和效率上的低下。因此必须对现有的制度缺陷进行改革,提高间接融资的效率,促进中小企业进一步发展。

After the joint stock system transformation, the bank loan becomes the small and medium-sized enterprise development scale,the expanded investment important method gradually. In the recent years small and medium-sized enterprise investment capital source, the financial organ loans occupied to approached a half proportion. Then the financial organ service supplies and the small and medium-sized enterprise service demand contradiction, has caused the financial service in the quantity insufficiency and efficiency low, therefore must carry on the reform to the existing system flaw,enhance indirect financing the efficiency and promotes the s mall and medium-sized enterprise further to develop.