中小微企业融资风险的合理对策

目前,中小微企业面临严峻的融资困难,其表象原因是:直接融资渠道变窄、不公平的融资歧视、缺乏贷款信用、缺少融资担保抵押物等;深层次原因是融资过程中存在着政府经济政策引起的、企业经营不稳定导致的、管理水平低造成的和信用危机形成的诸多风险带给商业银行的担扰。应对中小微企业融资风险,既需要金融机构大力提升识别和判断力,也需要企业加强财务管理,完善信贷管理机制,提高自身实力和信用评级,增强融资防范能力,更需要政府为中小微企业融资创造公平的环境和条件,内外合力减少融资风险,激发中小微企业持继续健康发展的活力。

Countermeasures to Financing Risks of Small, Medium and Micro Enterprises

SMMEs now are facing severe financing difficulties.The surface causes are the narrowing financing channel,financing discrimination,and the lack of loan credit and collateral.The profound causes are commercial banks' concerns of risks in the financing process raised by governmental economic policies,unsteady enterprise operation,low-level management,and credit crisis.In respond to financing risks of SMMEs,financial institutions need to improve the identification and judgment ability;enterprises need to strengthen financial management,improve credit management mechanism,increase strength and credit rating,and enhance financial risk resistance capability;the government needs to create fair environment and conditions for SMMEs to reduce financing risks and inspire the healthy and continuous development of SMMEs.