我国中小企业融资困难问题浅析

Analysis of the Financing Difficulties of Small and Medium Enterprises in China

中小企业融资难是一个世界范围内的普遍现象。其成因既有中小企业自身的特性,也有金融机构放贷的企业规模偏好,还有各种制度安排的偏差等。解决中小企业融资难问题一是优化中小企业发展环境;二是发展多层次资本市场;三是创新中小企业金融产品和服务,积极发展各种形式的金融创新信贷产品和服务,完善相关抵押制度和质押物认定办法,为中小企业提供便捷融资。

Financing of small and medium enterprises （SMEs） is a worldwide universal phenomenon. The causes are from SMEs own characteristics, the firm size preferences of financial institutions lending, as well as various institutional arrangements deviation. To solve the financing problem of SMEs, firstly, is to optimize the environment for SME development; secondly, to develop multi-level capital market; thirdly, to innovate SME financial products and services, actively develop various forms of financial innovation in credit products and services, improve the mortgage system and the pledge cognizance method, and provide convenient financing for SMEs.