当前我国中小企业融资困境分析与对策

Analysis and Countermeasures of Financing Difficulties of SMEs in China

中小企业在我国经济发展中具有举足轻重的作用,然而融资问题一直是制约我国中小企业发展的一大瓶颈。本文从多个视角分析了中小企业融资现状,尽管近些年我国在解决中小企业融资难方面采取了一系列措施,但融资难问题仍没解决,其中既有中小企业自身的问题,也有中小企业所面临环境不完善的外部原因。为此,本文从多层次债券市场、多层次资本市场、中小企业专业评级机构与新兴金融科技等方面提出解决这一问题的建议。

SMEs play a pivotal role in Chinese economic development,but financing issues have always been a bottleneck restricting the development of SMEs.The paper analyzes the status quo of SMEs'financing situation from multiple perspectives.Although China has taken a series of measures to solve the financing difficulties of SMEs in recent years,the difficulties still trouble the development of SMEs.Both internal and external causes contribute to the problem.This paper proposes to solve this problem from the aspects of the multi-level bond market,multi-level capital market,professional rating agencies for SMEs,and emerging financial technology.