中小微企业融资难的原因及对策分析——以深圳为例

Reasons and Countermeasures for the Financing Difficulties of Small and Medium-sized Enterprises——Take Shenzhen as an Example

中小微企业已成为当前我国国民经济和社会发展的中坚力量,在保障就业、稳定增长和创新创业方面具有重要作用,但制约其发展的一个重要因素就是"融资难、融资贵"的问题。本文以深圳为例,分析中小微企业的融资环境、成本、融资满足率,以及面临的主要问题与原因,在此基础上提出进一步完善中小微企业融资环境的对策建议。

The small and medium-sized enterprises have become the backbone of China’s national economic and social development. However, the problem of "difficult funding and expensive financing" has been restricting their development. This paper analyzes the financing environment, cost and financing satisfaction of small and medium-sized enterprises in Shenzhen, as well as the main problems and difficulties facing them. On this basis, it proposes to further improve the financing environment of small and medium-sized enterprises in Shenzhen.