我国中小企业融资困境分析与对策研究

Analyses of Financing Plight and Search of the Relevant for the Middle and Small Enterprises in Our Nation

阐述了目前我国中小企业在融资中面临的主要问题,分析中小企业资金不足的原因,目前我国中小企业融资难存在企业本身?金融机制?政府三个层面的原因,为此要制定相应的治理对策:企业要加快发展,切实提高赢利能力,增强自身信用观念,努力拓展融资渠道和方式;金融机构要解放思想积极创新,逐步消除对中小企业的金融抑制,建立多层次的信用担保制度;政府要完善政策法律法规,加大对企业的制度支持和金融扶持力度。

The middle and small enterprises is the primary force in our national economy. The shortage of funds is one of the main problems facing the middle and small enterprises. This article first discussed the exact financing problems in our countries＇ SMEs basing the facts in our country, and then analyzing the cause of this shortage, There are 3 aspects of reasons that consist of enterprise themselves, finance system and government, which lead to the difficulty in the SMEs bf China. So we must search for the relevant ways to solve them： The first, enterprises need to accelerate their improvement, raise the ability of making profit factually, enhance themselves＇ conception on credit, and expand the financing channel and way hardly. The second, the finance organizations need to liberate thought and bring forth new ideas actively, dispel the financial repression to the SMEs gradually, and build several levels of institutions of credit guarantee. The third, the government needs to improve the laws and regulations, and increase the supports of institutions and finance for the SMEs.