我国中小企业发展的融资问题研究

On the financing teamwork of China's medium & small-sized enterprises

本文从企业自身、商业银行和政府三个角度分析了我国中小企业融资困难的原因 ,探讨了美国和德国的融资机制 ,提出了解决我国中小企业融资困难的对策 :中小企业自身条件和素质的改进 ;大力改善中小企业的融资环境 ;强化银行服务职能 ,建立中小企业信息咨询服务体系 ;

From the sights of enterprise, commercial bank and government, the paper analyzes the financing diffculties which are plaguing China's medium and small-sized enterprises and explores the financing mechanism in the US and Germany. Finally, it offers countermeasures to these enterprises for warding off the financing snags: improvement of their own management setting and financing environment, strengthening of the banking service's functions, establishment of an information & consultant system and diversification of funding channels for their financing teamwork.