中小企业融资问题研究

Research on Financing Issues of Small and Medium-sized Enterprises

中小型企业已成为我国市场经济不可或缺的一部分,但由于资金短缺,使中小企业的发展遇到了很多瓶颈。融资难是中小型企业发展过程中面临的巨大阻碍。中小企业由于规模较小,可抵押的资产较少,也不具备良好的商业信誉,因此从银行等金融机构筹资困难。在全民创业大潮下,众多中小企业纷纷注册成立,所需资金缺口越来越大;虽然网络众筹的发展拓宽了融资路径,但是网络众筹资金体量较少,而且对企业和项目质量要求严格,难以满足数量庞大的中小型企业。本文通过对融资渠道进行研究,进而提出相关对策以供参考。

Small and medium-sized enterprises have become an indispensable part of China’s market economy,but because they are short of funds,their development has encountered many bottlenecks.Difficulty in financing is a huge obstacle to the development of small and medium-sized enterprises.Because SMEs are small in scale,have fewer assets that can be mortgaged,and do not have a good business reputation,it is difficult to raise funds from banks and other financial institutions.Under the tide of national entrepreneurship,small and medium-sized enterprises have registered and established one after another,and the funding gap is getting bigger and bigger.Although the development of online crowdfunding has expanded the financing paths,the amount of online crowdfunding funds is small,and the quality requirements of enterprises and projects are strict.Therefore it is still difficult to meet the large number of small and medium-sized enterprises.This paper studies the financing channels and then proposes relevant countermeasures as references.