中小企业融资困难原因及对策建议

The Reasons of the Financing Difficulties of Small and Medium-sized Enterprise and Countermeasures

介绍了我国中小企业的融资现状,指出融资制度、商业银行习惯性风险偏好和信息不对称是其融资困难的主要原因,并从这3方面分别给出了相应的对策和建议,以期改善中小企业融资的环境。

This paper introduces the current financing situation of small and medium-sized enterprises in China, and points out that the major reasons for the financing difficulties of small and medium-sized enterprise are the financing system, the habitual risk preferences of the commercial bank and the unbalanced information, and puts forward some corresponding countermeasures and suggestions from these three aspects for improving the financial environment for small and medium-sized enterprises.