中小企业融资问题的探讨

Discussion on Small and Medium-sized Enterprises Financing Problem

我国中小企业面临艰难的融资环境,造成原因是企业自身管理水平低、财务制度不健全、信用度差,担保体系存在问题,风险投资所带来的影响,金融体制改革滞后。为改善中小企业的融资环境,应建立和完善中小企业信用担保体系,建立规范的风险投资保障机制,深化金融机构改革,提高中小企业整体素质。

The small and medium-sized enterprises are confronted with the rough financing enviromnent of in China. The causes are insufficient management, unsoundness of finance system, the bad credit level, the imperfect guarantee system, the influence of venture investment and the lagged finance innovation. In order to improve the financing environment of the small and medium-sized enterprise effectively, we should ameliorate the credit guarantee system of small and medium-sized enterprise, found venture investment guarantee mechanism, reform the finance institution and enhance the whole diathesis of the small and medium-sized enterprises.