中小企业融资难的困境与对策分析

SME Financing Difficulties and the Strategies

目前,企业融资难问题已成为束缚我国小企业发展的最大瓶颈。导致我国中小企业融资难的原因主要有企业自身存在的问题、直接融资门槛过高、民间融资成本较大、缺乏有效的贷款担保和完善的信用评级体系以及相应的法律法规保障等。有效解决中小企业融资难,政府应加强企业内部控制制度建设,提高企业盈利能力;深化金融体制改革,完善金融体系和金融服务;加大政府扶持力度,健全相关的法律法规,以确保中小企业健康发展。

Financing difficulties have become the bottleneck curbing the growth of SMEs in China now. The difficulties are mainly caused by enterprises＇ own problems, high direct financing threshold and high non-governmental financing cost. Apart from that, the lack of efficient loan guarantee, a sound credit assessment system and relative laws and regulations also lead to the creation of the difficulties. The government should help enhance the establishment of an enterprise internal control system for improving enterprise profitability and deepen reforms of the financial system that help improve the financial system and services. It should put more efforts and endeavors in supporting SME financing and complete relative laws and regulations in ways that ensure the healthy development of SMEs.