我国中小企业融资难的原因及对策研究

Reasons for the Difficulties of SME Financing and Its Countermeasures

从我国中小企业融资现状出发,指出中小企业的发展需要政府的社会资金支持,详细地分析了影响中小企业融资难各方面的因素,并提出改变的对策。认为解决中小企业融资困难不仅需要中小企业完善自身的治理结构,加强与银行的联系,更需要国家尽快制定出为中小企业贷款的有关政策,并借鉴国外的经验,为中小企业融资开辟更多渠道,旨在为中小企业的发展创造良好的资金环境,从而更好地发挥中小企业在社会经济发展中的作用。

From the current situation of SME financing in China, the writer points out that the development of SME requires government support for social funds, analyses in greater detail the various factors for the difficulties of the small and medium enterprises financing, and proposes the countermeasures for the resolution of the difficulties. The resolutions requires not only the small and medium enterpises improve their own governance structure, strengthen ties with banks, but also the state as soon as possible to develop relevant policies for SME loans and open up more channels for SME financing. Analysis of the finaeing difficulties of SMES, exploring the countermeasures for the financing difficulties of SMES in our country aims at the creating of a favorable financial environment for SMES to better play the role in economic development. The writer thinks that we should learn from the advanced experience of foreign countries, at the same time combine with the actual development of China＇ s small and medium enterprises to continuously conduct in-depth exploration so as to effectively solve the problem of difficulties in financing of the small and medium-sized enterprises and make the SMES play its due role in the national economy.