中小企业融资难的困境与出路

Small-and-Medium-Sized Enterprises' Fund-raising Problem and its Way out

中小企业融资难是一个世界性问题,在我国融资难的根本原因是制度性原因,即中小企业的自身特点和融资特点与现行的以商业银行为主导的融资体系严重不匹配。在现行金融体系内的改革无法解决这个难题,必须在体制创新上找出路,关键是要建立完善的、多层次的中小企业融资体系。

Being hard for small-and-medium-sized enterprises to raise fund is a universal problem,which is mainly caused by financial system.That is to say,the characteristics of small-and-medium-sized enterprises and theirs fund-raising systematic policy cannot accord with fund-raising system of commercial banks.Given that the reform in financial system cannot solve this problem,we have to find the way out in systematic innovative.It is essential that we set up improving and multi-layered fund-raising system to help those enterprises.