金融发展对中小企业融资约束的影响

Impact of Financial Development on Financing Restraints of Small and Medium Enterprises

当今社会的金融发展越来越快速,中小企业逐渐成为了我国经济持续发展的重要力量。但是,由于中小企业自身存在的很多问题和原因,使其在融资方面受到了巨大的约束,导致中小企业贷款较难,成本一直居高不下。这一问题不仅严重制约了中小企业转型及升级的步伐,甚至影响到了中小企业的生存。目前,我国的金融市场正在加速发展,金融市场的发展状况无疑会影响到企业的融资机会,进而影响到企业的融资成本。因此,本文针对金融发展是否能缓解企业融资约束的问题展开了讨论。首先对金融发展与中小企业融资问题的现状及影响进行了分析,其次采取实证分析法进行论证和研究,最后提出具有针对性的解决措施。

Nowadays,the financial development of the society is keeping accelerating. SMEs are becoming an important force in China＇s sustainable economic development. However,because of the many intrinsic problems of SMEs,they have been constrained greatly in the financing,which makes their loan more difficult and keeps the cost staying at a high level. The problem not only seriously hampers the pace of upgrading and transformation of SMEs,but even affects the survival of SMEs. At present,the development of China＇s financial market is accelerating,which will undoubtedly affect the financing opportunities of enterprises,thereby affecting the business volume of financing costs.Therefore,this paper discusses whether the financial development can alleviate the financial constraints. This paper first analyzes the present situation and the influence of the financial development and SME financing problems,then adopts the empirical analysis method to carry on the demonstration and the research,and finally proposes the pertinent solution measures.