中小企业资金紧张的成因分析

Analysis on the Cause of Financial Strain in the Small and Medium-sized Enterprises

资金紧张问题一直是中小企业面临的主要难题。我国中小企业资金紧张既有国家政策方针的原因,又有企业管理体制方面的原因。国家应建立中小企业的政府支持体系,银行适当放宽信贷条件,建立银企合作关系;中小企业加强信用建设,合理优化资产结构,配置固定资产与流动资金的比例,加强流动资产的管理,拓宽企业产品销售渠道,实施营销创新,增加企业收入。

Fund shortage problem is always the main problems facing smes.Our country small and medium-sized enterprise financing is tight with both the national policy reason,and enterprise management system aspect reason.The State shall establish the small and medium-sized enterprise government support system,The bank due to the relaxation of credit conditions,establish the bank-enterprise cooperation relationship;small and medium-sized enterprises to strengthen credit construction,optimizing the asset structure,allocation of fixed assets and liquidity ratio,strengthen liquidity management,expand the enterprise product sales channels,the implementation of marketing innovation,increase business income.