构建融资体系与优化结构：中小企业融资困境的改善途径

本文认为目前我国中小企业融资仍然处于总量严重不足、结构不合理的困境之中。中小企业融资总量不足与融资结构不合理的形成原因是多方面的 ,但制度缺失、体制错位以及政策刻板是影响中小企业发展的深层次原因。要改善中小企业的融资状况 ,就必须构建中小企业融资的信用评级体系、融资担保体系、直接融资体系、间接融资体系与内源融资体系 ,多途径、多渠道、分层次地增加中小企业的融资供给。确定中小企业的融资次序 ,优化融资结构 ,提高融资效率。

Financing Structure Construction and Structure Optimization:Approach to Improve Financing Morass of SME

The article holds the view that Small and Medium Enterprises in China are currently still getting into the hobble of serious total quantity insufficiency and structure irrationality. Reasons which cause these problems are various. However, policy scarcity, system inaccuracy and policy inflexibility are actual deep reasons which influence the development of Small and Medium Enterprises. To improve the financing situation of Small and Medium Enterprises, it will be necessary for us to construct a series of systems consisting of financing credit grading system, financing guarantee system, direct financing system, indirect financing system and internal-resource financing system especially for Small and Medium Enterprises. And try to enhance financing supply for Small and Medium Enterprises through multi-channels as well as various levels. Also to confirm Small and Medium Enterprises financing sequence, optimize financing structure and improve financing efficiency.