中小企业融资机制的缺陷与创新探析

实践证明中小企业已经成为经济发展的重要因素，但是当前的融资机制还不完善，存在着诸如资金供给者和需求者之间信息不对称进而导致出现逆向选择和道德风险、直接融资体制不够完善、中小企业的高风险性与商业性金融机构三性原则之间的矛盾、企业融资缺乏信用等一系列问题，直接影响了中小企业的发展。这决定了解决中小企业融资难的问题只能从融资机制的创新中寻找答案。

Defects and Innovation of Financing Mechanisms of Small and Medium-sized Enterpries

Practice shows that SMEs have become an important factor in economic development.But the current imperfect financing systems have a direct impact on the development of SMEs,such as adverse selection and moral hazard resulting from information asymmetry between demanders andproviders、imperfect direct financing system,the conflict between high risk of SMEs and three principle of commercial financing institution,lack of credit of SME financing and so on.This series of problems decides that only from innovating financing mechanisms can the problem of financing be solved.