非正规金融对中小企业二次创业的作用、危害及对策

Advantages,Risks and Measures of Using Informal Finance during SME2 Second Venture

融资问题一直是困扰中小企业发展的老问题,在二次创业阶段,这个问题将更加突出。文章分析了非正规金融在中小企业二次创业过程中起着解决流动资金缺口主渠道的作用,同时也分析了非正规金融使中小企业面临破产风险、法律风险和道德风险等负面作用。为控制非正规金融的风险,有效发挥非正规金融对中小企业二次创业的作用,应该完善非正规金融的服务体系及创新机制;承认非正规金融的合法地位,但区别对待不同形式的非正规金融;推动区域金融创新,使非正规金融更好地与正规金融相结合;使非正规金融正规化;加强中小企业二次创业过程中利用非正规金融的风险控制。

Financing is the problem that hinders the development of SME all the time.During SME second venture,financing problem becomes more prominent.Informal finance is the main solution to shortages of liquidity during SME second venture.But,informal finance makes SME face bankruptcy risk,encounter law risk,confront morality risk.In order to control informal finance risk,and develop its effectiveness,informal finance service system and innovation mechanism should be improved;informal legal status should be admitted,but make a difference between different forms;promote regional financial innovation,integrate informal finance and formal finance;make informal finance become formal finance;strengthen risk control of utilizing informal finance during SME second venture.