我国中小企业融资难的主要原因与对策

Causes for SME's Financing Problem in China and its Countermeasures

融资难是世界各国中小企业发展所面临的一个普遍的问题,在我国体制转型和结构调整的特殊历史时期,中小企业融资问题表现得更为突出,也更为复杂。要解决中小企业融资难的问题,第一要努力提高中小企业整体素质,增强其内在融资能力;第二要强化信用管理,构筑良好的融资环境;第三要拓展间接融资的渠道,完善间接融资服务体系;第四要积极进行直接融资方式创新,完善资本市场体系。

Difficulty in financing is a general problem faced by small and medium-sized enterprises (SMEs) of every country in the world. In the particular historical period of system turning and structural adjustment in China, the SME's problem becomes more outstanding and complicated. In dealing with the financing difficulties of SMEs, we should firstly make great efforts and improve the quality of all the SMEs to strengthen their inherent financing ability; secondly strengthen the credit management for the improvement of the financing environment; thirdly expand the channel of indirect financing to perfect the system of indirect financing; and fourthly develop new direct financing instrument actively so as to improve the capital market.