我国中小企业融资困境分析及其应对策略——效仿德国中小企业融资框架

Analysis of SMEs’ Financing Difficulties and Countermeasures in China——Learning From the German SMEs’ Financing Framework

改革开放以来,我国中小企业迅猛发展,在我国社会经济体系中占有举足轻重的地位。受2008年金融危机的影响,世界经济状况整体处于下滑趋势,且国内经济形势的不确定因素逐年攀升,中小企业在面临经营困境的同时,更面临着资金链断裂与融资难、融资贵的困境。本文利用德国复兴信贷银行与经合组织公布的中小企业调查年报,从中德两国的中小企业融资现状、金融机构与外部环境的实际情况出发,分析我国中小企业融资困境的根源;通过借鉴德国银行体系的主要往来银行工作原则、工作机制等,效仿德国政府政策、社会信用信息体系和法律框架的制定,总结出解决我国中小企业融资困境的应对策略。

Since the reform and opening up,China's SMEs have developed rapidly and occupied a pivotal posi tion in our social and economic system.Affected by the 2008 financial crisis,the global economic situation was in a downward trend as a whole,and the uncertainties of the domestic economic situation were rising year by year.At the same time that SMEs were facing operational difficulties,they were also facing the difficulties of funding chain breaks,financing difficulties and the high cost of financing.This article uses the SME survey annual report pub lished by Deutsche Rehabilitation Credit Bank and OECD to analyze the root causes of SMEs’financing difficulties in China from the current situation of SMEs'financing in China and Germany and the actual situation of financial in stitutions and the external environment.By drawing on the working principles and working mechanisms of the main banking in the German banking system,following the formulation of German government policies,social credit infor mation systems,and legal frameworks,this article summarizes the countermeasures to solve the financing difficulties of China's SMEs.