如何解决我国中小企业的融资困境

How to Solve the Financing Difficulties of SMEs in China

改革开放以来，我国中小企业得到迅速发展壮大，在国民经济和社会发展中的作用越来越重要。但是，由于一些政策有失公平和中小企业自身的问题，使得中小企业融资困难，这一问题已经成为制约中小企业生存和发展的症结。为了促进我国中小企业进一步繁荣发展，应加大金融扶持力度，进一步完善中小企业间接融资体系，提高对中小企业的贷款比例，强化对中小企业贷款保证体系，逐步拓宽中小企业的直接融资渠道，鼓励社会和民间投资，建立和健全中小企业社会化服务体系，为中小企业发展营造良好的融资环境。

Since reform and opening policy, China＇s SMEs have been developed rapidly and have played an increasingly important role in the national economy and social development. However, because of partial policies and their own problems, SMEs are facing the financing difficulties, which has become their constraint crux of survival and development. In order to promote further prosperity and development of SMEs in China ,the govement should increase financial support to further improve the system of indirect financing of SMEs and improve the proportion of loans to SMEs. Meanwhile, the govement should also strengthen the loan guarantee system to SMEs, gradually expand direct financing channels for SMEs, and encourage social and private investment, so as to establish and improve social service system for SMEs, and create a favorable financing environment for the development of SMEs.