小微企业融资困难的原因探究

The Exploration on the Causes of Financing Difficulties of Small and Micro Businesses

经济转型时期,小微企业融资困难阻碍了其创新与发展。从融资渠道的视角对当下小微企业融资现状进行了研究,进而分析了造成小微企业融资困难的多种原因,包括内部原因和外部原因。内部原因是指小微企业的自身问题即经营管理不完善,外部原因是指金融市场的信息不对称、市场金融结构的失衡以及不完善的社会信用体系环境等。解决的对策主要包括:在小微企业中推广现代企业制度,加强企业信息化系统建设,转变市场金融结构,加快社会信用体系建设。

During the economic transition period, the financing difficulties of small and micro businesses impede their innovations and developments. The search studied the current status of small micro-enterprise from the perspective of financing channels, and then analyzed the causes why the small micro-enterprise have difficulties in financing, including the general and special reasons. The general reasons refers to the asymmetry in financial market and the problems in their own ; the special reasons refers to the imbalance of the fi- nancial structure and the imperfect social credit system environment. Solving strategies include： promoting the modem enterprise system in small micro-enterprise; strengthening the construction of the enterprise information system ; Changing the financial market structure and accelerate the construction of the social credit system.