我国中小企业融资问题研究
摘 要
中小企业在我国经济和社会发展中具有举足轻重的作用，在调整经济结构、丰富和活跃市场、增加就业机会、发展地方经济、增加财政收入等方面都发挥着重要的作用。然而，融资难的问题一直困扰着中小企业的发展。同时在目前爆发金融危机的这个背景条件下，中小企业融资的问题更加突出。中小企业融资中存在着直接融资渠道比较狭窄、融资成本和风险高，融资信用低，受政策性的歧视、社会金融服务不协调等现象。中小企业融资困境的原因是多方面的，包括中小企业自身的不足，金融机构的不完善，中小金融机构发展的滞后，保护其发展的法规不健全,资本市场不完善等。本文深入分析我国中小企业融资存在的问题，根据成因探讨并提出解决中小企业融资难的措施，以便从根本上突破融资难的瓶颈，解决中小企业融资的问题。
关键词：中小企业；融资；存在问题；对策
Abstract
Small and medium-sized enterprises in china's economic and social development play a very important role in economic restructuring, and the active and increased employment opportunities and development of local economy, increasing fiscal revenue has played an important role. However, difficult financing problems have affected the development of small and medium-sized enterprises. In the present financial crisis erupted in this context, small and medium enterprises financing issue. Small and medium enterprises financing for direct financing channels exist in a narrow, financing costs and risks and high credit and financing policy of low social, financial service no coordination. Small and medium enterprises financing difficulties of the causes are manifold, Including the small and medium enterprise disability; financial sector monopolies, and financial institutions to develop retardation, capital market imperfections and so on. This critical problem in our small and medium enterprises financing, in this critical problem in our small and medium enterprises financing, according to the causes and solutions to the small and medium-sized enterprise’s financing is difficult to measure, in order to radically break through the difficult financing bottlenecks, solve the problem of small and medium enterprises financing.
Keywords: small and medium-sized enterprises；financing；problems；countermeasures
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