我国中小企业融资制度的成效评估及发展对策

The Effectiveness Evaluation and Development Countermeasures of Chinese Small and Medium Enterprises' Financing System

经过近二十年的发展,我国中小企业融资制度基本完善,对中小企业融资制度成效的实证结果表明,近些年我国中小金融机构贷款规模扩张、市场份额上升及机构人员的增加,对中小企业成长的贡献作用显著,但金融对中小企业发展的支持作用有限,中小企业发展从根本上还要依赖企业自身素质的提高。

After nearly twenty years of development, the financing system in China has achieved considerable development through four stages. In this paper, empirical results of performance of SME＇ s financing system show that expansion of the loan of small and medium-sized financial institutions, the rise of their market shares and the increase of their staff have a significant contribution to the growth of SMEs in recent years. However the results also show that the financial support is limited in SMEs＇ development and the development of small and medium-sized enterprises mainly lies in enterprise＇ s core competitive ability.