中小企业融资难的新解读

A New Interpretation of Financing Difficulties for SMEs

中小企业融资难问题已成为制约我国市场经济体制改革的重要因素。对主要发达国家经验的梳理,可以得到解决该问题的一般规律。基于我国中小企业发展的特点、金融系统结构失衡、政府职能错位三个方面的解读,可以发现我国中小企业融资难问题具有特殊性。本文提出的建议,包括构建"银政合作"模式,推进金融体制改革,创建中小型金融机构。

The financing diffieuhies of SMEs have become an important factor restricting market economic system reform in China. We can get the general rule to solve the problem by combing the experience of main developed countries. With the interpretation of the three aspects, including development characteristics of SMEs in China, imbalance in financial system structure, absence of government functions, we can find the particularity of SMEs financing difficuhies in China. With the combination of the above, this paper offers some conclusions and suggestions, including the construction of ＂hank government cooperation＂ model in the short term, as well as the implementation of the market economic system reform and financial system reform in the long term.