中小企业融资研究现状与展望

Status and Prospects of SME Financing

中小企业是繁荣经济、促进增长的重要力量。然而,受到资产规模、经营方式及金融体制的制约,融资难成为中小企业发展的瓶颈,如何通过规范中小企业经营模式,完善社会信用及担保体系,改善资本市场结构缓解中小企业的融资困境成为社会各界关注的焦点。通过对国内外中小企业融资的研究成果进行梳理,对中小企业融资理论、影响因素及对策进行归纳总结,深入了解中小企业融资的所存在的问题,并对未来中小企业融资的研究方向进行了展望,为制定中小企业融资策略提供支持。

SMEs are an important force in economic prosperityand promote growth. However, constrained by asset size, mode of operation and financial system, Financing difficulty become the bottleneck of the development of SMEs, How to regulate SMEs business model, improve the socialcredit and guarantee system, Improve the capital market structure to ease the financing difficulties of SMEs become the focus of public attention.Through sort out the research achievements of SMEs financing at home and abroad, summarized SMEs financing theory, influence factors andcountermeasures, in depth understanding of the problems of SME financing, and prospected the future research directions for SME financing, provide support for the development of SME financing strategy.