中小企业融资难:制度成因及其创新路径探讨

An Analysis of Causes of the Financing Difficulty of Small and Medium Enterprises and an Exploration of the Means of Solution to the Problem

融资困难是当前我国中小企业普遍面临的发展障碍之一,文章分析了中小企业融资面临的外部制约因素,主要包括金融制度安排上的不合理和社会信用辅助体系的缺失;针对所存在的制度“瓶颈”,提出了要加快制度创新,以建立与中小企业相适应的多元化的资金融通体系和融资的社会信用辅助体系.

The financing problem is one of the major prevalent obstacles in the way of development of small and medium enterprises in China. This paper analyses the external factors restricting the said enterprises, mainly the irrational financial system and the absence of a support system for social trust. Therefore steps must be sped up to innovate the system so as to establish a financing system with diversified channels and a support system for social financing trust to accommodate small and medium enterprises, thereby eliminating the institutional 揵ottleneck?restricting such enterprises.