中小企业融资困境及其成因分析

Financing Difficulty and Cause Analysis of Small-and-medium-sized Enterprises

中小企业融资具有融资需求旺盛、融资渠道不畅、融资结构不合理等特点.金融抑制带来了中小企业的金融缺口,金融缺口是由中小企业信用缺损、国有银行“惜贷”、政府不适当的干预造成的,解除中小企业的融资困境需从这几方面人手.

The financing of small-and-medium-sized enterprises has such characteristics as the financing demand is great,the financing channels is not smooth,and the financing structure is unreasonable. The finance suppressing has a result of financial gap of small and medium-sized enterprises, which is derived from defective credit of small and medium-sized enterprises, unvoluntary loan of state-owned banks and improper intervention of government. Relieving financing difficulty of small and medium-sized enterprises should proceed with such aspects.