关于中小企业融资问题的思考

Reflection on the Problem of the Small and Medium Sized Enterprise' Finance

中小企业在国民经济发展中发挥着越来越重要的作用。但是,其经营环境并不理想,尤其是其“融资难”,主要表现在融资渠道狭窄、融资方式单一,融资成本偏高,贷款满足率低等。造成中小企业融资难的原因是多方面的,既有企业自身的原因,也有来自政府和银行方面的制约因素。因此,我们应提高中小企业的信用等级,拓宽融资渠道,完善融资体系,改进和创新融资手段,建立和完善信用担保体系,同时加大政府支持力度和完善法律、法规支持体系,从而有效解决中小企业的融资难题,促进中小企业的健康发展。

small and medium sized enterprises play an increasingly important role in the national economy.Nevertheless,there are many disadvantages in the economic environment,especially financing, which reflects itself in narrow financing channel,single mode,higher cost and lower loan satisfaction rate. This can be attributed to restraints from enterprises themselves or the government and the bank.Therefore,many meaeures should be taken to improve those enterprises as follows：improving their credit level,broadening financing channel,perfecting financing system,innovating financing mode,establishing and bettering credit guarantees,and at the same time,strengthening governmental support and intensifying legal system, so as to solve their financing problems and promote their healthy development.