浅议中国中小企业信贷融资困境与对策

Discussion on Credit Financing Difficulties and Countermeasures of Small and Medium-sized Enterprises of Our Country

在中小企业的发展过程中,资金匮乏是一个普遍存在的现象。分别从中小企业信用文化的缺失、抵押式担保能力的不足、盈利能力差及经营风险高等内部原因,以及融资体制缺陷、信用担保机制的实施力度不够、信息不对称等外部原因,深入分析导致中国中小企业信贷融资困境的因素,并从自身建设、政府政策、融资环境和金融机构服务等方面提出相应对策,对于中国中小企业健康可持续地发展壮大具有很大的意义和作用。

In the process of small and medium-sized enterprises development,shortage of funds is a common phenomenon.This paper analyzes the factors deeply that lead our country’s small and medium-sized enterprises financing difficulty from some internal reasons such as the hiatus of small and medium-sized enterprises credit culture,inadequacy of mortgage guarantee ability,poor profitability,high operating risks,as well as other external causes like the flaw of financing system,the executive strength of credit guarantee mechanism is insufficient,information asymmetry.Besides,from their own construction,government policy,financial environment and financial institutions’services,putting forward countermeasures for China’s small and medium-sized enterprises,which is of great significance and role to their sustainable development.