新形势下破解中小企业融资问题的路径

Path for Solving the Financing Issues of Small and Medium Enterprises under the New Situation

我国中小企业存在融资门槛高、信息不对称、担保体系不健全、融资成本高等问题,主要原因包括中小企业自身经营不规范、金融机构过于看重风险导致惜贷现象严重、体制机制创新不足、社会信用尚未完全建立等。为进一步提升中小企业活力,可考虑从以下三方面入手:政府要强引导、抓协调,大力缓解中小企业融资难、融资贵难题;金融机构要转观念、强创新,不断提升对中小企业的金融服务水平;中小企业要强素质、练内功,积极树立诚实守信良好形象。

There are some big problems of china＇s small and medium business financing： high threshold of finance, infomlation asymmetry, guarantee system is not perfect, the high cost of finance, the main reasons as following： small business management is not standardized, financial institutions is focusing on risk, bank system is lack of institutional innovation, social credit has not been fully established. So, the paper put forward the following suggestions： the government should take the guidance and coordination, and help to ease the financing difficulties of small business finance; financial institutions should focus on the innovation, and improve the small business financial service level; small business should establish a good image of honesty and trustworthiness.