我国中小企业的融资困境及对策分析

China's SME Financing Theory,Difficulties and Countermeasures

中小企业在促进社会就业、繁荣市场经济、增加财政收入、推动技术创新、扩大出口等方面发挥着不可替代的作用。但由于当前我国为中小企业服务的金融体系尚未形成,成熟的多层次资本市场尚待完善,银行与中小企业之间信息不对称,融资政策配套性不足,加之中小企业自身存在很多问题,导致中小企业融资成本偏高,融资受到歧视性待遇,面临融资困境,进而极大地影响了中小企业的蓬勃发展,成为阻碍中小企业转变经济发展方式的绊脚石。为帮助中小企业缓解融资难问题,从企业层面看,要强化中小企业自身建设;从市场层面看,要完善多层次的金融体系;从政府层面看,要建立信息共享平台。

S ME plays an irreplaceable role in promoting social employment, booming market economy,increasing the fiscal revenues, promoting technological innovation and expanding exports. At present, because of the not formed financial system providing service for SMEs, the imperfect multi-layer capital market, the information asymmetry between banks and SMEs, the not matched financing policies and many problems with the SEMs, the cost of financing of SMEs is very high and the SMEs are treated discriminatorily; financing difficulties facing SMEs are hindering the booming of SMEs and they are the obstacles for the SMEs to transform their pattern of economic development. To help the SMEs relieve financing difficulties, in terms of the enterprises, they should strengthen their development; in terms of the market, we should perfect the multi-layer financial market; in terms of the government, we should establish the information sharing platform.