湖南省小微企业融资约束现状及破解对策

The Status Quo and Countermeasures of Financing Constraints of Small and Micro Enterprises in Hunan Province

通过深入研究分析湖南省小微企业融资约束现状及破解对策,本文从小微企业的融资额度、融资可获得性、融资结构、融资渠道、融资用途、融资成本等方面分析小微企业融资的现状。从小微企业内部结构单一、小微企业的区域分布、规模特点和风控能力不足等方面剖析造成湖南省小微企业融资约束现状的原因,并提出改善信用环境质量、健全融资方面法律法规体系、政府积极引导市场融资模式的创新等相关对策建议。

Through in-depth research and analysis of the status quo and countermeasures of financing constraints of small and micro enterprises in Hunan Province,this article analyzes the status quo of financing of small and micro enterprises from the aspects of financing quota,financing availability,financing structure,financing channels,financing uses,financing costs and so on.This study analyzes the reasons for the financing constraints of small and micro enterprises in Hunan Province from the aspects of single internal structure,regional distribution,scale characteristics and lack of risk control ability of small and micro enterprises,etc.It also puts forward some relevant countermeasures and suggestions,such as improving the quality of the credit environment,perfecting the systems of laws and regulations in the financing,and the government actively guiding the innovation of market financing models.