中小企业融资探索——基于金融创新角度

The Research on the Financing of Small and Medium-Sized Enterprises——Based on the Financing Innovative Angle

中小企业是国民经济中一支重要的力量。融资难的问题一直是制约我国中小企业发展的障碍。解决这个问题需要从社会经济各个方面着手。从金融创新的角度出发,分析中小企业的资源、信用和风险状况,得出融资难的深层原因。根据金融创新的原理,针对不同类型的中小企业,分别设计了创新的金融工具,来拓展融资渠道。

Small and medium-sized enterprises play an essential role in our country＇s economic development. But the problem of financing difficulties becomes obstacle when it concerns survival and development, This paper, to the overview of small and medium-sized enterprises of our country and financial environmental analysis foundation, solves the difficult problem from the innovative angle initiative of financial instruments, and on the basis of the analyzing of financing innovative theory, designs a series of financial instruments to each kind of small and medium-sized enterprises to solve the financing difficulties.