广西中小企业融资难问题研究

On the Problem of Small and Medium Enterprises Financing

中小企业融资难是一个长期存在的世界性难题。近两年来,受到外需缩减、劳动力成本上升、从紧的货币政策等国内外不利因素影响,广西中小企业资金紧张、融资难问题突出。究其原因,抵押担保难是目前中小企业融资难的症结所在。当前应着重加快完善信用担保体系,搭建政银企信息交流及沟通平台,引导金融机构转变经营策略、加大信贷产品创新力度,引导中小企业强化银企及企企合作关系,有效发展"关系型贷款"。

Financing is a world difficulty for Small and medium enterprises （ SMEs ） . In recent 2 years, under the influence of some negfive factors such as outside demand changing, labor cost increasing and tight monetary policy, SMEs has faced with outstending problem of financing. And the key problem is the difficulty to mortgage and guarantee.To meet the financing demand of small and medium enterprises, it is important to accelarate the pace of credit and guarantee system construction, to build up an information platform among government, bank and company, to guide financial institutions to shift Managerial Strategies and enlarge credit innovation, to guide the SMEs to strengthen the hank-company and company-company cooperation, and develop ＂Relationship Credit＂ efficiently.