中小企业融资难的原因剖析及对策选择

Analysis of Difficulties Encountered by Medium and Small Enterprises in Financing and Selection of Countermeasures

本文从银行、企业自身、政府融资服务等方面分析了当前中小企业融资困难的深层原因 ,并结合实际提出了解决对策 :1 .继续发挥商业银行的主渠道作用 ;2 .大力发展中小金融机构 ;3 .进一步完善中小企业信用担保体系。

This article analyses deep causes for the difficulties encountered currently by medium and small enterprises in financing from the aspects of banks,enterprises themselves,and financing services offered by the government.and proposes countermeasures in consideration of actual situations:1.to continue playing the role of commercial banks as the main channel;2.to fully develop medium and small financial institutions;3.to further perfect the security system for the creditability of medium and small enterprises.