中小微企业融资风险的合理对策

Countermeasures to Financing Risks of Small,Medium and Micro Enterprises

目前,中小微企业面临严峻的融资困难,其表象原因是:直接融资渠道变窄、不公平的融资歧视、缺乏贷款信用、缺少融资担保抵押物等;深层次原因是融资过程中存在着政府经济政策引起的、企业经营不稳定导致的、管理水平低造成的和信用危机形成的诸多风险带给商业银行的担扰。应对中小微企业融资风险,既需要金融机构大力提升识别和判断力,也需要企业加强财务管理,完善信贷管理机制,提高自身实力和信用评级,增强融资防范能力,更需要政府为中小微企业融资创造公平的环境和条件,内外合力减少融资风险,激发中小微企业持继续健康发展的活力。

SMMEs now are facing severe financing difficulties. The surface causes are the narrowing financing channel, financing dis- crimination, and the lack of loan credit and collateral. The profound causes are commercial banks＇ concerns of risks in the financing pro- cess raised by governmental economic policies, unsteady enterprise operation, low-level management, and credit crisis. In respond to fi- nancing risks of SMMEs, financial institutions need to improve the identification and judgment ability; enterprises need to strengthen fi- nancial management, improve credit management mechanism, increase strength and credit rating, and enhance financial risk resistance capability; the government needs to create fair environment and conditions for SMMEs to reduce financing risks and inspire the healthy and continuous development of SMMEs.