当前我国小微企业面临的融资困境及对策

Research on Financing Situation of Small and Micro Enterprises

小微企业在扩大就业、增加税收、改善民生、促进社会稳定等方面具有重要的作用。然而,小微企业在发展过程中经常会遇到融资难题。现实表明,融资难阻碍其健康发展。对此,必须改善小微企业的融资环境,推进小微企业金融服务专营机构建设,促进小微企业多渠道融资,同时鼓励金融创新。只有多策并举,才能有效解决小微企业的融资难题,促进其更好更快地发展。

Small and micro enterprises are an important part of China~ enterprises. They also play a decisive role in expanding employ-ment, increasing income, improving people~ livelihood, promoting stability and increasing state tax. However, amid its development,it often encounters financing bottleneck, which hinders its healthy development. Due to the defect of small and micro enterprises inmanagement and operation, incompleteness of social credit system and lack of services from government and guarantee institution, high-er threshold of loan for small and micro enterprises by banks and deviations in the implementation of relevant support policy, it is verydifficult for small and micro enterprises to solve the problems in financing. In the context, it is necessary for small and micro enterpri-ses to build multi - channel service system so as to improve their financing environment.