中小企业融资问题探讨及国际借鉴

SME Financing Problems and the International Experience

中小企业在我国经济发展中发挥着重要作用。当前,中小企业融资难是困扰中小型企业发展的主要障碍。出现融资难有诚信等极差、资产规模小等内部因素,也有银行怕出现融资风险等外在原因。中小企业融资难问题不能尽快缓解,将增加就业矛盾,影响经济增长和社会稳定。我国各级政府应借鉴国外相关经验,进一步落实支持中小企业发展的各项措施和解决融资难的各项要求;中小企业应增强内源融资能力,加强自身信用建设,实现融资结构的优化,增强可持续发展的内生动力。

SMEs play an important part in China＇s economic development. At present, the main obstacle curbing SME development is fi- nance difficulty, caused by both internal factors like integrity rank differences and small-scale asset and external factors such as the banks＇ fear of financial risks. If the difficulty could not be lessened, unemployment will increase affecting the economic growth and social stability. Chinese government at all levels must learn from the relative experience of other countries to put into practice further various measures supporting SME development in financing; SMEs should boost internal momentum for a sustainable development by enhancing in- ner-source financing ability, strengthening credit construction, and optimizing the financing structure.