中小企业融资难:社会的关注与现实的制约

Financing Predicament for Small & Medium-sized Firm: Concern of the Society and Constraint of the Reality

伴随着中小企业的蓬勃发展及其社会经济地位与作用的不断提升,中小企业融资难的问题也正在引起社会各界的广泛关注。导致中小企业融资难的因素有很多,其中最主要的是:我国现行融资制度缺陷明显,对中小企业融资存在着挤出效应;金融机构对中小企业的融资支持存有误区,支持力度不够;中小企业自身规模小、实力弱、信用低、风险大,融资竞争力不强;支持、规范中小企业融资的法律制度不完善;为中小企业融资服务的评估、担保机构不健全;等等。

With the vigorous development of small ＆ medium-sized firms and continuous increase of their social, economic status and role, financing predicament for them is attracting an extensive concern of various communities. There are many factors for this problem, the most of which are： for clear disfigurements in the present financing system, there is a ＂squeezing out＂ effect in financing for small ＆ medium-sized firms; there are wrong ideas of financing support for these firms by the financial institutions, with insufficient efforts in supporting these firms; these firms are characterized by a small size, weak strength, low credit, high risk, poor competition strength of financing; there is no perfect legal systems to support and normalize the financing for them; there is no sound institutions serving for these firms in access and guarantee, etc.