浅析我国中小企业融资难问题

On Financing Difficulty of Small & Medium Size Enterprises in China

中小企业与国家大型企业一道,构成了推动国民经济社会发展的两大引擎,在促进国内外贸易、繁荣市场、建设和谐社会等方面有着非常重要的作用,已经成为推动经济发展的新增长点,成为我国社会经济发展的关键力量之一。据相关资料,我国具有法人资格的中小企业占全部企业的99%,创造的最终产品和服务价值占国内生产总值的60%左右。其于社会经济发展的地位和作用不可谓不重要。然而,就是在这一重要的行业和领域,伴随着时间的推移和其自身的发展,越发暴露出一些困扰中小企业的矛盾,并有日益尖锐起来的趋势。其中融资难是中小企业普遍存在的一个关键性问题。本文主要从我国中小企业融资的现状、融资难问题分析及相应相关对策等三方面进行简要分析。

Small medium-sized enterprises（SMEs） play a very important role in promoting domestic and international trade, market prosperity and harmonious society as one of the two engines of national economic and social development in China, together with large-scale national enterprises. SME have become a new economic growth point and one of the vital forces in social and economic development. It has been found that SME with juridical person account for 99% of all the enterprises, and the final products and services of value they have produced account for about 60% of gross domestic product of China. Despite of their important positions and roles in the social and economic development, they have been troubled by some increasingly more serious problems, along with the passage of time and their own development. Among the problems, difficulty in financing is a common and critical issue. This paper analyzes the current situation of SME financing, financing difficulties and then offers corresponding countermeasures.