中小企业融资难问题研究

Research on the financing difficulties of small and medium sized enterprises

中小企业能够进行顺利融资对于恢复企业的生产能力具有不可替代的作用。目前中小企业、银行和政府等都在为企业融资进行不断改进与支持,虽然融资难问题得到较大的改善,但仍存在融资渠道单一、成本高、被歧视等问题,产生这些问题的原因有企业缺乏信用和抵押担保物,且银行机构歧视中小企业;政府在政策和法律上还有待完善等方面。解决这些问题需要从企业、银行等金融机构、政府三方面做出努力。

Small and medium-sized enterprises can smoothly finance has an irreplaceable role for the recovery of the production capacity of enterprises.At present,small and medium-sized enterprises,banks and the government in corporate finance for continuous improvement and support,although the financing difficult problem has been greatly improved,but there still have some problems such as financing channels for a single,high cost,discrimination and other issues.The reasons for these problems are the unsound of the enterprise management system,the lack of credit and collateral financing structure.As for the banks,banking institutions need to be improved,and the discrimination of small and medium-sized enterprises.Also the government needs to improve in the policy and the law.To solve these problems,efforts should be made from enterprises,banks and other financial institutions as well as the government.