我国小微企业融资状况及制约因素分析

Analyses on Small and Micro Businesses' Financing Status and Restriction Factors in China

融资难是困扰小微企业发展的世界性难题。在对我国小微企业的资金满足度和融资渠道进行了分析后,从小微企业自身和外部环境两个方面详细分析了制约我国小微企业融资的内部因素和外部因素,提出从总体制度设计入手,构建和完善多层次小微企业融资服务体系。

Financing difficulties is a worldwide problem plaguing the development of small and micro enterprises. This article analyzes the financial satisfaction and channels of small and micro enterprises in China. It also analyzes the internal factors and external factors restricting small and micro enterprises financing from two aspects of both the enterprise itself and the external environment. At last, it suggests to build an effective financing service system served specially the small and micro enterprises to solve the financing problem from the overall design of the system.