我国中小企业融资难的原因与对策

近年来我国中小企业受制于融资难的瓶颈，企业获得的贷款量与其在我国国民经济和社会发展中的贡献极不相称，发展势头被严重遏制和阻碍。尤其是在当前的金融危机背景下，中小企业融资面临的困境远远胜于大型国有企业。因此研究当前我国中小企业融资难的问题显得尤为重要。缓解中小企业融资难是实施中小企业成长的工程，促进中小企业发展的关键环节。

On the Reasons and Countermeasures of Chinese Small -medium Sized Enterprises

In recent years restricted by difficult financing, the loan that enterprises receive is out of balance with its contribution to the national economy and social development. Their developing trend is severely restricted and hindered. Especially under the current economic crisis, the difficulty that small and medium - sized enterprises faces is much more than large state - owned enterprises. Therefore, it is important to study the financing problems existed in small and medium - sized enterprises. Relieving the difficult financing problem is the key factor to implement the growth project and to promote the development of small - medium - sized enterprises.