我国中小企业融资现状及对策分析

Current Financing Situation of SMEs in China and the Countermeature

目前,我国中小企业的融资存在融资成本高、信用体系不健全、融资渠道不规范、在资本市场受到融资歧视等问题。为促进中小企业的良性经营与稳定发展,我国通过增强中小企业内源融资能力、规范民间借贷、完善银企征信体系、利率市场化等方式解决这些问题。此外,政府还应该对目前市场进行补充和修正,如向金融机构提供贷款风险补偿资金,成立服务于中小企业的政策性银行等措施,以达到全面解决中小企业融资困难的目的。

SME financing in China now has difficulties, including high financing costs, unsound credit system, irregular financing chan-nel, and financing discrimination in the capital market. To facilitate the sound operation and sustainable development of SMEs, the issue is addressed by enhancing inner source financing ability of SMEs, normalizing private lending, completing bank and enterprise credit system, and liberalizing interest rate. Apart from that, the government shall also improve the market in terms of offering credit risk compensation fund to financing institutions and setting up state policy-related banks fot serving SMEs.