中国中小企业融资难的成因及解决途径探析

The Causes and Solutions of Financing Problem in China's Small and Medium-sized Enterprises

中小企业发展的第一障碍是融资难问题。要了解我国中小企业融资难的成因,需要从金融的视角加以探讨,才能洞悉事物的本质。因此,系统思考中小企业融资难问题,就需要从两个层面进行全面的分析。第一个层面就是在既定的金融结构下,决定资源配置的就是风险和收益两大要素;第二个层面就是金融体系不完善的问题。而"增加收益,减小风险,使收益与风险匹配"及"完善金融体系,发展金融市场"等是解决我国中小企业融资难的有效对策。

The key obstacle in the development of small and medium-sized enterprises is the financing problem. The cause of financial problem in small and medium-sized enterprises is analyzed from the view of finance to grasp the essence. Therefore, this paper has discussed from two aspects. Firstly, risks and benefits are two major factors to determine resource allocation in the present financial structure. Secondly, the problem of financial structure itself is stressed. The concrete solutions of the financing problem in small and medium-sized enterprises have been put forward, a sound financial system should be established to match the risks and benefits and the financial market should be further developed.