我国中小企业融资问题研究

China small and medium enterprise financing problem research

中小企业是促进我国经济增长的一支重要力量,而中小企业融资渠道狭窄、融资结构不合理、融资成本高、融资难等问题严重影响了中小企业的进一步发展,如何从我国的实际出发,寻求有效的措施和对策,努力缓解中小企业的融资难问题,是一项重要而又紧迫的任务。本文概括了中小企业的融资现状,对造成融资困难的原因进行分析,最后指出缓解中小企业融资难问题,需要企业、银行和政府等多方面的共同努力,并从三个方面提出相应的对策和建议。

Small and Medium-sized Enterprises （SMEs） is an important force to promote China＇s economic growth,but some financing problems,such as narrow financing channels,irrational financing structure and high financing costs,impact seriously on the further development of SMEs. So how to find effective measures and countermeasures from the reality of our country,and how to alleviate the financing difficulty of SMEs is an important and urgent task. This article firstly summarizes the current condition of financing for SMEs,analyzes the root causes of the financing difficulties,and then pointes out that the problem to alle-viate the financing difficulties of SMEs require that enterprises,banks and government put more effort. Finally,corresponding countermeasures are put forward.