摘要
中小企业在我国的经济发展中具有举足轻重的地位,与国有企业相比,其在创造社会财富,提供就业机会和促进经济增长方面具有显著的优势,因此,中小企业理应得到充分发展的一切充分必要条件。然而,融资难却成为制约中小企业发展壮大的瓶颈,解决融资难问题是解决中小企业发展问题的关键。现阶段,中小企业的融资难又主要体现在与国有商业银行的关系上。本文首先简要介绍中小企业在经济发展中的重要作用,并提出发展中所遇到的主要问题;然后,运用浅显的博弈论解释中小企业为何难以从国有商业银行那里获得融资;最后,给出笔者的启示与建议。
Small-and-medium sized enterprises play an important role in China economy development. Compared to state-owned enterprises, Small-and-medium sized enterprises have many advantages of creating social wealth, providing employment and promoting economy development, so Small-and-medium sized enterprises should get developed fully and freely. But, the difficulty of financing prevent the development of them and the key to solve the problem of development is to overcome the difficulty of financing faced by Small-and-medium sized enterprises. Now the difficulty of financing mainly exist on the relationship with state-owned commercial banks.
