我国中小企业融资难问题与对策研究

Study on the Countermeasures of the Financing Difficulties of SMEs in China

以我国中小企业融资的国际比较为研究视角,运用问题分析的方法,理论联系实际,从融资方式单一、贷款比例低等方面阐述了我国中小企业的融资现状;并从融资制度、中小企业自身因素、政府和社会融资服务等三个方面,分析我国中小企业融资难的具体原因;并在此基础上提出了从直接融资、间接融资、社会服务、融资方式创新等方面构建中小企业多元融资体系的对策建议和措施。

From the perspective of international comparison obove Chinese small and medium-sized enter- prise financing , it analysised the method of applying theory to practice and problems, from the single way of financing, loan ratio low describes the financing situation of SMEs in China. And from the financing sys- tem of small and medium-sized enterprises, government and society factors, financial services and other three aspects, it analysised of the specific reasons the financing difficulty of SMEs in China. Then on this basis it put forward countermeasures and suggestions of constructing diversified financing system of small and medium-sized enterprises on direct financing, indirect financing from the financing innovation, social services, etc.