论中小企业融资难的成因与对策

Causes and Countermeasures of SME'S Financing Difficulties

近些年来,中小企业融资难是普遍存在的问题,而造成这一问题的原因主要包括信息不对称、中小企业的资本金严重不足、政府作用的缺失。解决中小企业融资难的问题,金融组织应积极改善信息不对称局面;企业应积极扩宽融资渠道并努力增加企业资本金;政府应逐步建立和完善中小企业的融资体系,采取多种形式,建立中小企业资金的供应、保证和辅导系统,探索多种适合中小企业特点的融资方式,为其发展提供有效的资金支持。

In recent years, it has been common that SMEs have difficulties in financing. The main reasons include asymmetric information, severely insufficient capital, and the absence of government＇s role. To fix the problem, financial institutions should make SMEs well informed; SMEs should expand financing channels and capital; and the government should gradually set up and improve financing system for SMEs, create a system of capital supply, guaranteeing and coaching in various forms and explore multiple financing modes tailored to SMEs to support SMEs effectively.