我国中小企业融资问题的现状及对策分析

我国中小企业已成为推动国民经济发展的重要力量。中小企业融资难既有其经营风险高、财务管理不规范、社会信用缺失等自身的原因,也有金融机构对其贷款条件苛刻、对风险控制严格等制约因素。应从提高企业信用、增加产品竞争力、加强区域联合等方面解决中小企业融资难问题。

The situation of the Financing Question and Countermeasures Analysis of China's Medium and Small Enterprises

Medium and small enterprises have already become i mp ortant strength of promoting the development of national economy.But the financi ng difficulty is one ofthe factS to restrict development of medium and small ent erprises at present.The reasons that cause financing difficulty in medium and sm all enterprises include the facts of medium and small enterprises itself and res triction of government and financial system,and so on.The paper analyzes the fin ancing current situation and the reasons of medium and small enterprises of in C hina,proposing some countermeasures to the medium and small enterprises of the f inancing problem.