中小企业融资现状及对策分析——以安徽省蚌埠市为例

SME Financing Status and the Responding Strategies: a Case Study of Bangbu in Anhui Province

近年来,中小企业为我国经济发展做出重要的贡献。同时也存在着融资困难的问题。安徽省的蚌埠市地处交通要道,但经济发展缓慢。蚌埠市的中小企业内部融资方式单一、管理不足、信用度低、缺少相应的融资知识及抵押品。而我国政府扶持力度不够,银行贷款条件苛刻,贷款担保制度不健全,资金供应渠道单一也影响中小企业的发展。鉴于国外政府对中小企业帮助,我国应加强对中小企业融资的帮扶,完善金融体系。中小企业也应注重企业信用并进行内部整顿。

SMEs have made great contribution to the development of China＇s economy in recent years. However, they still have financial difficulties. Bangbu locates in the traffic arteries in Anhui province, but the economy grows slowly. SMEs in the city have a single internal financing channel, poor management, low credit and lack relative financing knowledge and collateral. Insufficient government support, harsh conditions for loans, unsound loan guarantee system and single fund channel also influence the development of SMEs. Learning from foreign experiences, China should enhance support to SME financing and complete the financial system. SMEs should focus on business credit and internal reorganization.