论加强对中小企业的金融服务

A Discussion about Strengthening the Banking Service of Medium and Small－ Sized Enterprises

中小企业已经成为我国社会主义市场经济的重要组成部分。在中小企业发展中普遍存在着融资难的问题。中小企业融资难的成因是金融机构保守求稳的思想，贷款的单位成本较高，金融机构的信贷管理方式以及缺乏良好的信贷抵押和担保等。解决中小企业融资难的主要对策：一是国家和政府要起主导作用；二是金融机构要加大服务力度；三是中小 企业要拓宽融资渠道；四是中小企业要抓住机遇，自求发展。

： Small and medium－ sized enterprises have become an important part of our socialist market economy,yet they are faced with the common problem－ the difficulty of seeking capital funds.The reasons are as follows:the financial institutions are too conservative to take risks of granting loans to them;the unit cost for the credit is too high;the financial institutions have some difficulty in managing their credits;the enterprises lack sound,credit mortgage and guarantees.Some major measures can be taken to solve the problem.Firstly the state and the government should play a leading role.Secondly,the financial institutions should better their services.Thirdly,the small and medium－ sized enterprises should broaden the channels for seeking capital funds and they also should take any opportunity to develop themselves.