中小民营企业融资问题探讨

A Discussion on Financing Issues of Small and Medium-sized Enterprises

融资难问题,是当前中小民营企业面临的最困难的问题,中小民营企业融资面临的难题主要有:自身规模小、管理乱,融资能力弱;融资渠道单一、成本高;政策扶持力度小等。产生这些困难的原因既有企业自身的问题也有企业外在大环境的因素。解决这些问题需要政府、金融机构以及企业自身三面的共同努力:政府部门的政策引导和环境优化,金融机构的机制完善和服务提升,中小企业的经营理念更新和管理水平提高。

The financing predicament has been a primary difficulty the small and medium-sized private enterprises are confronted with. The predicament arises from the following problems： weak financing capability due to their small sizes and poor management; high cost of financing out of limited channels; the insufficient strength of policy support. To tackle these problems, it is necessary for government, financial institutions and enterprises themselves to make combined efforts： government should optimize the policies; financial institutions should perfect financing mechanisms and improve the services they offer, and the enterprises should update their operational ideas and improve their management.