关于中小企业融资难、融资贵问题的思考

On Financing Constraints of Small and Medium Enterprises

中小企业融资难融资贵是个世界性难题,我国的中小企业融资难融资贵问题则又带有鲜明的中国特色。中小企业天生具有融资难和融资贵的特点,信息不对称更会加剧此问题。无论是发达国家还是发展中国家都将解决中小企业融资难融资贵问题提升到战略高度给予重视,也构建了各具特色的政策扶助体系,力图弥补市场机制的缺陷。我国应借鉴国外的成熟经验,并结合国内金融改革的路径、金融市场发展的思路以及实体经济发展的总体特点,制定一个兼顾短期、中期和长期的发展战略,从法治、产业、财政和金融等多方面对中小企业融资环境进行综合改革。

The difficulty and high- cost financing of the small and medium enterprises（ SMEs） is a universal problem and has unique characteristics in China. The financing problem of SMEs is inherent and is intensified under the condition of asymmetric information. Both developed and developing countries have raised its importance to a strategic height in solving this problem,and have constructed specific policy systems to support the development of SMEs,so as to fill the gap of market mechanics. We should learn the mature experiences from foreign countries but at the same time consider the unique approaches in financial reform,the development plan of financial market,and the overall characteristics of real economy in our country,to develop a balanced short- term,medium and long- term development strategy,and carry out a comprehensive reform to improve the financing environment of SMEs from different aspects such as law,industry,finance and banking.