涉海中小企业融资风险识别与分担机制

Identification and Sharing Mechanism of Financing Risks of Marine SMEs

中小企业融资困境作为一个普遍性问题,长期受到各界的关注,但对于困境的解决一直收效甚微。因为行业原因,涉海中小企业的发展更受到融资瓶颈的制约。根据已有的理论分析,中小企业本身缺陷、金融体系不健全确实是困境产生的表面客观原因,但通过从解决这些客观因素入手来化解金融困境并非有效途径。从风险的角度对中小企业融资困境的深层次原因进行分析,认为风险因素使得中小企业融资交易市场不健全,进而带来融资困境。需要通过建立风险分担和补偿机制来建立健全中小企业融资交易市场,破解涉海企业的融资困境。

As a universal problem,the financing plight of SMEs has attracted the attention of all academic circles for a long time,but the solution to the dilemma has produced very little effect. Because of industrial reasons,the development of SMEs involved in the sea is more constrained by the financing bottleneck. According to the analysis of the existing theories,the defect of the small and medium-sized enterprise itself and the imperfect financial system are the superficial reasons,and this paper argues that by starting with the effective way to resolve the financial difficulties. From the angle of risk,this paper analyzes the deep reasons for the financing difficulties of SMEs,and concludes that the risk factors make the financing market of SMEs not perfect,and then bring about financing difficulties. It is essential to settle the sea related SMEs＇ financing difficulties,through the establishment of risk sharing and compensation mechanism to establish a sound SME financing trading market.