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破解我国中小企业融资瓶颈问题的对策探讨
引用本文:谢启标.破解我国中小企业融资瓶颈问题的对策探讨[J].金融论坛,2005(9):49-53.
作者姓名:谢启标
作者单位:厦门市委党校
摘    要:融资难问题至今仍然是中小企业发展面临的最大障碍。本文首先运用生产要素禀赋学说分析中小企业生存与发展的重要意义,然后根据金融抑制和金融深化理论探讨其融资瓶颈。在详细介绍和评析目前解决中小企业融资难的主要措施基础上,运用公共经济学的相关原理,从外部效应的存在、信息的不完全与不对称性及非自然垄断等视角说明中小企业融资难的本质成因在于市场失灵,进而对症下药,从大力发展与中小企业相匹配的中小金融机构、引导和规范民间金融活动、建立多层次资本市场、强化政府调控职能等四个方面提出纠正市场失灵,冰释中小企业融资难的对策建议。

关 键 词:中小企业  中小企业融资  市场失灵  外部效应
文章编号:1009-9190(2005)9-0049-05

Countermeasures to Solve the Financing Bottleneck Faced by Small-and-Medium-Sized Enterprises
Xie Qibiao.Countermeasures to Solve the Financing Bottleneck Faced by Small-and-Medium-Sized Enterprises[J].Finance Forum,2005(9):49-53.
Authors:Xie Qibiao
Abstract:Financing difficulty is still the biggest hurdle that SMS enterprises have to face in their development. In this paper, the impor-tance of survival and development of SMS enterprises is first analyzed using the theory of essential factors for production and then their fi-nancing bottleneck is discussed with reference to financial constraint and financial deepening theory. After major measures to overcome theirfinancing difficulty at present are expounded and scrutinized, it is concluded from the perspective of related principle of public economy, theexistence of external effect, incomplete and asymmetrical information access and non- natural monopoly that difficulty for SMS enterprises toborrow is caused by market failure. To remedy this situation, four countermeasures are proposed, e.g. great efforts should be made to developsmall and medium sized financial institutions in match with need of SMS enterprises, guide and regulate private financial activities, establisha multi- level capital market and tighten government control.
Keywords:Small- and- Medium- Sized Enterprises  financing by Small- and- Medium- Sized Enterprises  market failure  external effect
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