韶关市中小企业融资难问题及对策研究

The Problems and Strategies in Financing of SME in Shaoguan

融资难是制约中小企业发展的主要因素。相对于发达地区,韶关市作为广东省典型的欠发达地区,中小企业融资难问题更为突出。韶关市中小企业自身规模小、经营理念落后、治理结构不完善,金融机构数量少、实力弱,企业跟金融机构间存在信息不对称等,就是造成融资难的主要原因。根据国内外中小企业的融资经验并结合韶关本地实际来看,要缓解中小企业融资难问题,需要从三个方面共同努力:通过加强企业管理,不断提高中小企业自身融资能力;深化金融改革,逐步构建多元化金融服务体系;强化政府职能,努力构建良好的金融生态环境。

The difficulty of financing is the major factor which is restricting the development of SMEs financing. The SMEs in Shaoguan, a typical less developed area of Guangdong province, face more difficulties as compared with the developed regions. Through the investigation we know that the main causes of financing difficulty are small size and backward in management concept, faulty structure of company treatment , small number and weak Strength of Financial institutions and information asymmetry between SMEs and financial institutions. Based on the financing of SMEs at home and abroad with local actual experience in Shaoguan, to solve the SMEs financing difficult problems, we should strengthen enterprise management ,continuously improve their ability to finance, deepen financial reform, gradually build diversified financial service system, strengthen the functions of the government, and guarantee the less developed regions in good financial ecological environment.