中小企业融资问题研究

摘要：随着经济体制改革的加快，我国中小企业的融资难问题引起人们越来越多的关注和讨论。中小企业融资难问题主要由中小企业自身，银行，政府以及担保体系四个方面形成。本文立足于中国经济转型时期特有的国情、中小企业自身的特点，以国内中小企业融资为研究对象，改善企业内外环境，从多方面、多渠道、多元化发展以寻求解决我国中小企业融资问题的有效途径。以此得出解决我国中小企业融资难的对策：中小企业在自身建设方面要不断提高；政府在提供融资公共服务方面积极作为；建立和健全对中小企业融资的信用担保体系；积极发展非国有中小银行；积极鼓励风险投资和创业投资。
关键词：中小企业；融资；信用担保

The study on Small and Medium-sized Enterprises' Financing Problems
 
Abstract：With the rapid reform of economic system, more and more attention and discussion are paid to the financial difficulties of small and medium-sized enterprises ,which are caused mainly by enterprises themselves, banks, government as well as grantee system. This thesis, based on the unique national conditions and the characteristics of small and medium enterprises, is mainly about the financing problem and the improvement of enterprise investment environment, both internal and external aiming at seeking solutions to the problem of financing through various aspects, multi-channels and diversified developments of these enterprises. The follows are the solutions. The small and medium-sized enterprises should improve their own construction. The government should provide financing service actively for the public. The government should do best to establish and perfect credit guarantee system. Take active policy to develop small and medium-sized non-state-owned banks. Encourage risk investment and venture capital investment.
Key words：Small and medium-sized enterprises；Financing；Credit guarantee

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