我国中小企业金融排斥研究

中小企业是我国经济的重要组成部分,它们在扩大经济总量、缓解就业压力、拉动民间投资、促进市场繁荣、维护社会稳定等方面发挥着十分重要的作用。但是长期以来我国中小企业的发展存在很多问题,融资面临很大困难。经济学界对此的讨论研究从未停止过。文章另辟蹊径,从金融排斥这一新兴的金融经济学理论的角度分析了我国中小企业融资难的形成原因,并有针对性的提出了解决中小企业金融排斥的对策和建议。

A Study on Financial Exclusion in Medium-sized and Small Enterprises of China

Medium-sized and small enterprises are significant parts of China's economy.They have been playing an important role in amplifying economic aggregate,relieving employment pressure,promoting private investment,accelerating market development and maintaining social stability.However,there are many development problems in medium-sized and small enterprises in a long run.Especially they face toughly financing difficulties,which has kept on investigating in economic field.This paper takes a different tact,and applies financial exclusion,a new theory of finance economics,to analyze the reasons of financing difficulties in medium-sized and small enterprises.Finally,this paper gives some feasible polices and suggestions to resolve financial exclusion of medium-sized and small enterprises.