摘要
中小企业是创新的重要力量。但由于规模小、风险高、融资需求分散且量小,中小企业很难从正规金融机构取得贷款。中小企业融资难的问题成为制约企业发展的主要瓶颈。欧洲投资基金作为欧盟所属金属政策性金融机构,其宗旨是向中小企业提供金融支持和服务,在欧洲中小企业融资上发挥了重要作用。对欧洲投资基金支持中小企业的金融机制、风险管理模式等进行了研究和分析。欧盟建立风险共担机制,提高资金效率;以企业运作机制为中心,降低信贷风险;发挥政府主导作用,支持中心企业融资等解决中小企业融资难的举措,值得我国借鉴。
Small and medium-sized enterprises （SMEs） are an important driving force for innovation. SMEs, due to small-scale, high-risk, small amount and dispersed financing needs, have more difficulties to obtain loans from formal financial institutions. Financing of SMEs has become a bottleneck restricting the development of SMEs. The European Investment Fund is a policy-based financial institution in European Union, and its main task is to provide financial support and services to small and medium-sized enterprises. It is a major player for SME financing in European. This paper analyses the financial mechanism and risk management of European Investment Fund to support SMEs, and proposes some recommendations for Chinese SMEs to solve their financing problem.
出处
《全球科技经济瞭望》
2013年第1期34-39,共6页
Global Science，Technology and Economy Outlook
关键词
欧盟
中小企业
融资
欧洲投资基金
European Union
small and medium-sized enterprises
financing
European Investment Fund
