小微企业融资问题及对策——基于辽宁省200家小微企业的调查

Financing difficulties and countermeasures of small and micro enterprise——Based on a survey of 200 small and micro enterprises in Liaoning Province

为解决小微企业融资难问题,从了解小微企业生产经营和融资现状出发,对辽宁省鞍山、本溪、锦州等10个市200家小微企业进行问卷调查。调查显示,目前小微企业经营基本稳定、融资难问题有所缓解。但融资难问题仍不同程度地制约小微企业发展,剖析存在原因,主要有合格抵押物缺失、企业财务制度不健全、担保公司发挥作用有限等问题,并从6个方面提出建议。

In order to solve the financing problem of small and micro enterprises, 200 small and micro enterprises in 10 cities of Liaoning Province, such as Anshan, Benxi and Jinzhou etc. were surveyed by questionnaires based on their production, operation and financing status. The survey shows that small and micro enterprises are basically stable in operation and financing difficulties have been alleviated. However, financing difficulties still restrict the development of small and micro enterprises in varying degrees. The main reasons are the lack of qualified collateral, the imperfect financial system of enterprises and the limited role of guarantee companies. Suggestions are put forward from six aspects.