中小企业融资难的成因与应对策略

Causes and Strategies about why SME's Financing is so Difficult

中小企业融资难日益成为困扰其发展的瓶颈。这其中既有企业自身的不足所致,又有金融机构运营机制和政府职能缺失的原因。要从根本上解决融资难的问题,就必须转变融资理念,创新融资方式;加强立法和执法,为中小企业融资创造良好的金融环境;搞活金融市场,拓展中小企业贷款空间;加快中小企业融资综合服务体系建设,为中小企业融资提供保障;建立融资补偿机制,完善各种优惠政策;提升企业核心竞争力,弥补自身融资缺陷。

SME＇s financing is so difficult,and this is increasingly becoming the bottleneck problems of its development.Among these are caused by their own shortcomings,but also financial institutions operating mechanisms and the lack of government functions.To solve the problem of financing,financing must change the concept,innovative financing methods;Strengthen legislation and law enforcement,for the financing to create a favorable financial environment;Invigorate the financial markets,expanding SME lending space;speed up the comprehensive service system for SME financing,financing for SME to provide protection;to develop financial compensation mechanism,and improve various preferential policies;enhance core competitiveness of enterprises,the financing to make up their own shortcomings.