破解融资难,助推中小企业发展

中小企业因缺乏“魅力”,商业银行对其普遍存在“惧贷、惜贷”心理,政府的扶持力度也不够。要解决这种问题,政府应对中小企业提供全方面的金融服务,银行也应为中小企业间接融资发挥主渠道作用,同时中小企业本身也要努力增强自身的融资能力,塑造良好的企业形象,优化产业,增强竞争力,提升金融知识水平。

Solving the Financing Problems and Promoting the Development of Small and Medium-sized Enterprises

Lack of ＂glamour＂,small and medium-sized enterprises are treated with＂credit crunch＂or＂loan-to-fear＂by banks and obtain inadequate support from the government.In order to solve the problem,governments should explore every possible way to provide financial support for small and medium-sized enterprises,while banks are supposed to play a key role in indirect financing.Meanwhile small and medium-sized enterprises should upgrade themselves in financing ability,shape a better image,enhance the competitiveness and acquire more financial knowledge.