上海中小企业金融服务研究

Research on the Financial Service for the Small and Medium-sized Enterprises in Shanghai

随着中小企业融资政策环境的逐步改善,中小企业融资难的问题在政策文本层面得到相对有效的解决。但是,现实的市场环境却极其不尽人意,中小企业融资难仍然是其发展的最大障碍,众多的中小企业仍然很难从国有或者国有控股的股份制商业银行等渠道筹集到发展资金,不得不通过民间渠道获得资金补充。如何切实有效地在法律、信用、担保等方面为中小企业提供金融服务,成为各级政府所关注。

With the gradual improvement of the financing policy environment of small and medium - sized enterprises （SME） in China, the problem of the SME financing difficulty has been effectively solved at the policy level. However, the realistic market environment is rather unsatisfactory, which makes the SME still facing the biggest obstacle when financing in their development processes. As a resuit, it is quite difficult for most SME to raise their developing fund from the channels such the state - owned or state - controlled shareholding commercial banks, so that they have to obtain the capital supplement through the private lending. Therefore, how to provide the financial services efficiently for the SME in certain aspects including the law, the credit and the guarantee system has already attracted the attentions of governments at all levels.