我国小微企业融资难的原因分析及破解路径

The Reasons Analysis and Solution of Financing Difficulties of Small-micro Enterprises in China

小微企业为我国的经济增长做出了巨大贡献,在增加就业、经济增长、技术创新等方面起到了巨大的推动作用。但融资能力差,融资渠道窄,融资难问题一直以来都是小微企业发展的瓶颈。究其原因主要由于企业担保能力有限,信用水平低;相关法律法规不健全,担保体系不完善;缺少满足小微企业发展的信贷机构和产品等。提出提高企业融资水平,降低贷款风险,政府应扩大政策惠及面,建立健全担保体系,商业银行加大对小微企业金融服务力度等破解小微企业融资难题的对策建议。

The small-micro enterprise made great contribution to our country economic growth. It has played a huge role in promoting economic growth and technical innovation. But the financing ability of the small-micro enterprise is weak,and the financing channel is narrow. The financing difficult problems have always been the bottleneck of small-micro enterprise's development. The reasons are mainly due to the limited guarantee ability and low level of credit of enterprises; relevant laws and regulations is not sound,guarantee system is not perfect; lack of credit institutions and products,etc. Putting forward to raise the level of corporate financing and reducing loan risks,the government should widen policy benefit,establish and perfect guarantee system. Commercial Banks increase the intensity of financial services to small-micro enterprise such as cracking small-micro enterprise financing difficult problems of countermeasures and suggestions.