农村中小企业债务融资障碍分析及对策研究

Obstacle Analysis and Countermeasure Research of Rural Small Enterprise Debt Financing

分析了农村中小企业融资的外部环境和企业自身的制约因素。提出了解决农村中小企业融资难的对策,在政策机制方面需要组建专门为农村中小企业服务的政策性金融机构,进一步放开搞活农村金融市场,扶持建立农村中小企业信用担保组织等;农村中小企业自身要探索组建企业产业群信用联保,推行供应链管理、电子商务和第三方物流以减少资金占用,加强诚信建设,提高信用信息公开意识,防止信用道德风险转嫁等。

The paper analyzed external environment and internal restrictive factors of rural small and medium-sized enterprises （SME） financing. In order to solve difficulties in rural SME financing, policy mechanisms should be established, which included formation of financial institutions with a policy nature specifically for rural SME, further opening up and invigorating the rural financial market and establishment of credit guarantee organizations. At the same time, rural SME enterprises themselves should explored and set up enterprise groups guarantee mechanism, carried out supply chain management, e-commerce and the third-party logistics to reduce the amount of funds used. It was essential for rural SME enterprises themselves to strengthen their integrity, to improve credit information public awareness and beware of the transfer of credit morality risk.