金融危机下我国中小企业融资难问题研究

Research of China small and medium enterprise financing difficult problem

虽然改革开放30年来,中小企业已经成为我国经济发展中一支重要力量,但融资不畅一直是困扰我国中小企业发展的一个重要瓶颈问题,尤其是在当前全球金融危机给实体经济发展带来的危害不断加深的背景下,中小企业发展更加困难,融资难问题更加突出。本文从金融危机下我国中小企业融资现状入手,综观我国现行的财政政策,并结合外国在解决这一问题的先进经验,从五大方面提出了应对措施。

Reform and opening up policy has been undertaken for 30 years, and small and medium enterprises have become a branch of important force in our economic development, but poor financing has always been one vital bottleneck problem that impedes their development. Especially on the current background that global financial crisis causes more and more damages to the real economy, SMEs find it more difficult to develop and difficulties in financing have become more outstanding. This paper starts with the present situations of SMEs’ financing under the financial crisis, examining our current fiscal policy, along with connecting the advanced experiences gained by the foreign solving the problem, and puts forth countermeasures from five major aspects.