中小企业融资理论研究综述

根据国外有关企业融资的理论,就以下两个方面对中小企业融资需求理论进行了综述:(1)小企业是否存在信贷配给、程度如何以及关系型贷款之于小企业债务融资的重要意义;(2)货币政策、金融自由化、银行业合并及结构调整等宏观经济政策对于小企业融资的影响。认为目前国内的理论研究主要集中在中小企业融资难的症结分析与融资渠道的选择上,今后研究的重点应放在如何构建适合国情的中小企业融资体系上。

On Financial Study in Small and Medium Business

According to the theory of foreign enterprises' financing,small and medium business was expatiated from two aspects: whether the small enterprise does have the credit ration,the degree of credit ration and the vital significance of relationship lending to small enterprise debt financing;the influences on small enterprise financing of macroscopic economical policy such as monetary policy,financial liberalization,banking industry merge and structure adjustment.At present,the domestic fundamental research mainly concentrates on the difficult crux analysis and the financing channel choice of finances.So in the future the main emphasis of our research is how to construct the financial system in small and medium business which accords with the situation of our country.