中小企业融资与民间借贷对接研究

Study of Joining Financing of Small and Medium Enterprises with Private Lending

融资难一直是困扰中小企业发展的瓶颈。由于企业自身规模小、管理机制不健全以及正规金融融资程序多、标准严格、交易成本高等原因,中小企业一直得不到众多商业银行的青睐。随着我国经济的不断发展,民间资本不断积累,众多民间资本的持有者也希望找到一个合理的方式实现资本的保值增值。通过对民间借贷以及中小企业融资特点的分析,发现民间借贷不但简便快捷而且具有很强的灵活性,是中小企业融资的最佳选择。如果能够有效确立民间借贷的法律地位,将有助于促进中小企业融资与民间借贷的融合。

SMEs （ small and medium enterprises ） are often nagged by the difficulties of financing. Because of the small scale of the SMEs, their imperfect system of the managerial mechanism, the sophisticated procedures of formal financing program, strict standards, high transaction cost etc. , the SMEs often fail to attract state owned commercial banks. With the constant development of our economy and continuous private capital accumulation, many folk capital holders hope to find a reasonable way to preserve and increase the value of their capital. This paper, through the analysis of the folk lending and the features of financing of SMEs , found that the process of folk loan was not only simple and quick, but also extremely flexible, and believed that it should be the best choice for the financing of SMEs. Solving the present practical problems existing in the folk lending can effectively promote the integration of the financing of SMEs with private lending.