摘 要在我国，中小企业是国民经济增长和协调运行的基础性力量。随着我国经济不断发展，中小企业对资金的需求量越来越大，但由于多方面原因银行等主流金融机构不能完全满足其融资需求。典当融资小额、短期、便捷、安全的融资特点恰好与中小企业的融资需求相吻合。从2005年起，我国典当融资逐渐步入快速发展阶段。作为对银行贷款的补充，典当行在短期融资中扮演着“第二银行”的角色，在解决中小企业短期融资的问题上发挥着积极作用。尽管目前我国典当融资尚存在一些问题，但随着典当行业资本和规模的扩大，以及相关法律法规的完善，典
摘 要
在我国，中小企业是国民经济增长和协调运行的基础性力量。随着我国经济不断发展，中小企业对资金的需求量越来越大，但由于多方面原因银行等主流金融机构不能完全满足其融资需求。典当融资小额、短期、便捷、安全的融资特点恰好与中小企业的融资需求相吻合。从2005年起，我国典当融资逐渐步入快速发展阶段。作为对银行贷款的补充，典当行在短期融资中扮演着“第二银行”的角色，在解决中小企业短期融资的问题上发挥着积极作用。尽管目前我国典当融资尚存在一些问题，但随着典当行业资本和规模的扩大，以及相关法律法规的完善，典当融资在未来一定会成为中小企业短期融资的最佳平台。
关键词：中小企业；短期融资；典当
Abstract
In our country, small and medium-sized enterprises is the basic sustainable force in the national economic development and contribute to the harmonious operation of our economy. With the constant development of economy, the need for capital in SME is increasing. Banks and other mainstream financial institutions cannot completely meet the financing needs of SME due to various reasons, while the features of pawn financing such as short-term financing, microfinance, convenience and safe coincide with SME financing demand. Pawn financing in our country has developed rapidly since 2005.As a complement to bankloan,pawn shops play the role of "the second bank" in short-term financing, and play a active part in solving the problem of financing difficulty of SME. Although pawn financing in our country still has some problems to solve, it will become the best platform for SME short-term financing with the expansion of scale and capital of pawn industry and the improvement of the correlative laws.
Key words: small and medium-sized enterprises; short-term financing; pawn
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