我国中小企业融资与保险支持研究

近年来,随着我国中小企业的进一步发展,其自身积累已无法满足对资金的需求,必须通过各种渠道进行融资。目前,商业银行仍是中小企业信贷的主力军,虽然大部分商业银行成立了专门为中小企业融资的贷款机构,但在贷款条件方面依然不比大型企业宽松,融资难问题仍制约着中小企业的发展。针对这一问题,保险介入成为中小企业融资的需要以及商业银行降低风险的需要。应积极推进保险业相关法制建设,加大政府支持力度,科学组建承保机构,加强产品研发,强化风险控制,促进保险支持中小企业融资。

In recent years,with the further development of SME in China,the capital they ounaccumulated can no longer meet the demand,so there must be financed through various channels.Currently,commercial banks lending to SMEs are still the main force,most of them set up a special financing for SMEs lending institutions,but credit conditions are still not better than large companies loose,financial difficulties still restrict the development of SMEs.To solve this problem,the insurance needs of SME financing involved as well as commercial banks need to reduce risk.This article considers the promotion of the insurance to support SMEs financing to take the following measures：actively promote the insurance industry-related legal system,and increase government support,scientific underwriting agency formed to strengthen product development,strengthen risk control,insurance,support for SME financing.