我国中小企业现实资金需求约束因素分析

The Current Restrictive Factors Against Fund Demand of Chinese Small and Mediun-sized Enterpries

中小企业潜在资金需求量极大,但是潜在的需求能否转化成现实需求则受企业自身经营状况,特别是财务状况的约束。企业现实资金需求受以企业历史为依据判断的现时融资能力和企业未来的发展预期两方面因素影响。虽然我国中小企业潜在资金需求量巨大,但现实资金需求能力不高,“中小企业融资难”所要表达的正是存在于潜在与现实之间的巨大缺口。就中小企业自身的制度建设而言,缓解中小企业融资困境需要增强自我积累和提高资金运用能力。

Small and medium- sized enterprises （SMEs） have big potential demand for fund, whether the demand can be turned into realistic demand according to the management status, especially finance status.The realistic demand is affected by the finance capacity and anticipation of the future.The paper analyses and appraises these two aspects of SMEs. It finds that there is huge gap between the potential demand and realistic demand. To reduce the gap, it is necessary for the SMEs to build up the self-accumulation and improve the utilizing of fund.