政府?市场?谁更有效——中小企业融资难解决机制有效性研究

Government,Market,Which One is More Effective?—A Study of Effectiveness of Solving Mechanism

中小企业融资难问题一直都是制约我国中小企业发展的重要因素。近年来,政府部门也出台了一系列相关政策并积极推动实施来解决这一难题。然而,在诸多措施中,何种方法对于缓解中小企业融资难更为有效?至今仍没有明确的答案。本文利用枣庄市中小企业融资状况问卷调查所获得的数据,采用规范的实证分析方法对这一问题进行了研究。本文研究发现,积极推动担保机构发展和完善信用评级机制等市场手段较之政府支持手段对缓解中小企业融资难问题更为有效。研究结论为我国政府相关政策制定提供了理论依据,并对解决我国中小企业融资难问题具有重要政策启示。

SME＇ difficulties in financing have always been a significant factor of restricting their development. In recent years some relative government departments issue a series of policies and put them into act to solve this problem. Among all these measures, however, which one is most effective？ There＇s no accurate answer till now. This paper uses the data coming from questionnaires of SME in Zaozhuang and researches with them empirically. According to the result, enhancing the development of guarantees and perfect credit rating system are more effective than direct governmental instruments. The conclusions of the research provide theoretical basis for our government＇s policy - making and have important relations for solving the financing problem of SME.