中小企业融资存在的问题及对策

Problems and Countermeasures in Financing of Smalland Medium-sized Enterprises

中小企业融资由于自身的局限、信息不对称、信用能力不足、缺乏信用担保等问题导致内部融资不足,获得银行贷款难、股权融资束缚多、债券融资难以扩展等导致外部融资困难。针对融资费用较高、民间融资不规范以及信用意识淡薄等,提出了解决我国中小企业融资难等问题的有效建议。

Due to their own limitations,information asymmetry,insufficient credit capacity,lack of credit guarantee and other problems in financing,SMEs have insufficient internal financing,difficulties in obtaining bank loans,many constraints in equity financing,and difficulties in expanding bond financing,etc.,which lead to external financing difficulties.In view of the high financing cost,non-standard private financing and weak credit awareness,this paper puts forward some effective suggestions to solve the financing problems of small and medium-sized enterprises in China.