小企业融资制度和环境研究

A Study of the Financial System and Environment of Small Enterprises

小企业在我国社会经济生活中占有重要地位和作用,县域经济的主体是小企业。近些年小企业的成长和发展并不顺利,特别是融资难的问题一直没有得到很好地解决,这既有小企业自身的问题,也有经济金融体制及融资制度与环境的问题。解决小企业融资难的途径主要有:构建为小企业服务的多层次金融机构体系,扩大资本市场融资,规范发展民间融资,完善商业银行信贷管理机制,通过制度创新促进小企业融资等。

Small enterprises have an important status and role in the Chinese social and economic life, which are a major part of China＇s county economy. In recent years, the growth and development of small enterprises are not so successful, especially that the problem of financing difficulty has not been solved satisfactorily. This is an issue of the small enterprises themselves, but also that of the economic system, the financing system and environment. The main solutions for this problem are as follows： constructing a multi-level institutional financial system for the small enterprises, expanding financing in the capital market, standardizing the development of civil financing, improving the commercial bank credit management mechanism, and promoting the small enterprises＇ financing through institutional innovations.