论中国中小企业融资难问题及出路

Financing Difficulties for China's Small and Medium-sized Enterprises and Solutions

为促进中国中小企业的健康快速发展,必须解决其融资难的现实问题。文章通过分析中国中小企业融资难的基本表现、中小企业融资难的影响因素,进而提出了设立直接隶属于省级政府的中小企业局,构建以财政资金为主导的担保体系,建立专门的中小企业金融机构,建立和完善商业银行的中小企业贷款经营管理机制等建议,为中小企业走出融资困境提供借鉴。

To promote the sound and fast development of China's small and medium-sized enterprises,their financing difficulties need be addressed.This article analyzes the basic status quo of financing difficulties for China's small and medium-sized enterprises and their influencing factors.It then proposes suggestions such as improving the financing guarantee risk compensation and risk sharing mechanism for small and medium-sized enterprises,implementing favorable tax policies,building and improving the specialized banks and credit rating standards for small and medium-sized enterprises.It aims to provide reference for small and medium-sized enterprises to get out of financing difficulties.